I feel good
I just requested copies of all three of my credit reports and then persued them online and printed out copies.
I know, I should have done it a LONG time ago. The spouse requested his before we applied for a mortgage but I never got around to looking at mine.
Only two errors — one of the three bureaus has my birthdate a month off… how I have no idea. I will be mailing them a copy of my birth certificate to correct that one. The funny part about that is it makes my birthdate a day that doesn’t actually exist. You’d think they’d notice that. The other error I am still deciding if I want to bother correcting.
All three report my Capital One card as having a $0 credit limit. Um…. no. I’d have to look up the exact number but my limit is around $12,000. Now yes yes, this lowers my used/available ratio and negatively affects my credit score. But. I have two other credit cards with $0 balances, and one has an almost $50,000 limit. So my overall ratio of available to used is still rather good. And I am not planning on making any major purchases with credit anytime in the near future if ever, and if I do the Capital One card should be long paid off by then.
I’m trying to decide if it is even worth the time and effort to write letters disputing it. (I’ve since learned that this is a common practice Capital One used to do, so I couldn’t really have changed it even if I wanted to.)
Otherwise my reports are correct and look very nice and happy and pretty. I may be broke and in debt but I have an excellent credit history. Heh.
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