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Free Credit Report

August 26th, 2005 at 02:18 am

So I ran my credit report through equifax today.

It's fairly clean. They have my name all screwy and suddenly I know where all the funky junk mail comes from. Including one that is addressed Lastname FI Lastname. They also have my bday off by 3 days.

I don't know if I should correct that or not. They have my correct name, it's just listed as "formerly".

I also found out I have an open diamond shamrock card. I'm not sure I ever used it, I signed up for it in college to get the freebie they were offering and forgot about it. They've never even sent me a new card (I guess the first one expired). I'll have to close it, no phone # on the credit report, of course.

I also have a collections account on it that is marked as paid. I have no idea what that is about, I suspect it was an insurance issue (hospital collections for the hospital I had my ultrasound, but nothing else, at). It's marked as paid, so I don't know if I should fight it or not.

The rest shows good and clear. My discover card shows 2 30day late pays years ago (when DH was paying the bills). I can't argue those, so I'll just have to wait until they fall off, it shouldn't be long now.

We went to look at that house. It's VA, not HUD. It's okay, the rooms are smallish. The big problem is that there is mold in every wall. EVERY wall. That's just too much. It's too bad because this is a good neighborhood and the resell value is high. But that would be too much work. The walls would have to be stripped of all sheetrock and special mold killers inserted. The good thing is that would give you a chance to insert soundproofing in the interior walls, the bad thing is that that has to indicate a leak somewhere. I suspect it needs a new roof.

We went ahead and looked at a two story in our neighborhood. It has a great floor plan, but it's too hot here for a two story. And it needs a lot of work as well. Probably $40k minimum. New roof, the exterior walls have animal holes in them, the flooring has been stripped (which isn't a big deal to me, that just saves a step when it comes time to rehab the house (since I will pull out any carpet in any home we buy).

I'm disappointed. I want to buy a house, but I don't want to spend an arm and a leg to do it. I want my payment with taxes and insurance to be less than $1k/month. I'm just not sure how that will happen unless I buy in one of the really bad neighborhoods (the ones where you can't walk outside day or night).

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