Greg Takayama

photos and whatnot

the shittiness of credit reports

I checked my credit record through two of the big 3 bureaus. There must be a law that requires free credit reporting (as it should be). I signed up with Experian and TransUnion. To get your free credit report, you have to give them some current credit card info. You get a 30 day trail of their free credit checking software, then $9.95 per month automatically charged after that. It’s like when one of my former roommates thought Girls Gone Wild was awesome so he ordered the latest tape (it was vhs back then). But then kept on sending and kept on billing, only $100 and a couple of months later did he figure it out and cancel it. With credit scores, the $9.95 is also in the small print. There’s no easy way to cancel either. You have to call up their customer service, wait on hold, then tell the rep that you want to cancel because there’s absolutely no good reason that you’d need daily updates on your credit record. To his chagrin, he complies and assumes a bitter emasculated tone for the remainder of the call. They say you should cross check with all 3 bureaus. I still haven’t canceled with Experian…I need to get on that. To top that off, all of their websites look semi-shady, like maybe they really are trying to take your money. All in all though, I got an 84 out of 100, but it’s graded on a curve. Kidding.

Ack. Need to shoot something…in NY, not old pics of a stupid dog show. (sensia)

dogshow.jpg

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