Luckily this blog is anonymous so I can talk about whatever I feel like!  Well today I got a rough phone call from the Sister in Law.  She was looking into buying a home with her boyfriend.  Well, when they went to get pre-approved she was met with a a very low number due to the boyfriend’s credit score.  She was in the top 10% of all Americans! While he is below sub-prime.

creditcards Picture – Andres Rueda’s

So, there are bloggers out there (and I am sure “real” journalist) that will argue Americans are too obsessed with credit scores.  My favorite one is easily, Tough Money Love’s View. He truly hates the credit score industry but you know what – ignoring it is not going to get my sister in law a home.

It is your Responsibility to Know What is on Your Credit Report

The easiest way to get your credit report is Annual Credit Report.  The Federal Trade Commission gives us the perfect definition of “what Annual Credit Report is?” is the ONLY authorized source to get your free annual credit report under federal law. The Fair Credit Reporting Act guarantees you access to a free credit report from each of the three nationwide reporting agencies — Experian, Equifax, and TransUnion — every twelve months.  The Federal Trade Commission has received complaints from consumers who thought they were ordering their free annual credit report, but instead paid hidden fees or agreed to unwanted services.  Don’t be fooled by TV ads, email offers, or online search results.  Go to the authorized source when you request your free report.

This is not referring to those annoying singing dudes.  They are actually paid actors for a company that jumped on the bandwagon and seem to be doing well for themselves with some minor legal troubles!

MyJourney, is not perfect – actually no where near it! When I first started looking for a home is when I learned of all the problems with my reports.  I obviously freaked but then started my letter writing campaign to get everything fixed.

If you have never gotten your report – please stop reading and get your report.  You will not get your score, but that is secondary to fixing the garbage that may be on there.  If you have a need for your score, check out,

Credit Karma™ is always free and will never charge for access to credit scores or its interactive tools. Credit Karma™ works by selling advertising on the site and using those advertising revenues to pay for the credit score costs. Rest assured, Credit Karma™ NEVER sells or shares your private information as part of our strong belief in consumer advocacy. View what others are saying about us in the press.

I have used CreditKarma and am happy to report it is a great free tool to track your credit score.  How happy would the Sister-in-Law have been if they found out 6 months ago that the boyfriend’s score was below 600?  The point of this post is not to give a full review, but if you want one check out Bargaineering’s Review of  If you’re feeling flush, you could even opt to sign up and pay for a credit report monitoring service, which keeps a daily watch on changes to your credit reports.


I am no where near an expert in this area, but I can provide some form letters to help out if people have an interest.

Check your Credit Score!