I pulled copies of our credit report today to see what is still open. We have been married since 2006 and this year is the first time I have pulled my report and saw his student loans. Yikes!
You are allowed 1 credit report from Equifax, Transunion, and Experian a year. If you have not done this annually... DO IT! It is amazing to see what accounts are still open even though you called and wrote letters to have them closed. Plus you will be able to see any fraudulent activity. Click here for your free annual reports.
My report shows that I have credit cards open under Bank of America, Capital One, Paypal, Home Depot, Wells Fargo and New York & Company. That is just on 1 report!!! All of these accounts except the wells fargo credit card have been closed at one point... by phone call or letter. Well I guess the customer retention rep decided they would rather have a bonus than do as I asked.
Some people will say: it looks bad to close your credit card accounts. That may be but who cares? The whole point of this is to no long go into debt... ever again. If that means performing plastic surgery on my card, than that's what I have to do! So this weekend my plan is to call and cancel these open cards and cut up any remaining plastic. I will be posting pics so stay tuned...
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