Free Credit Report for Delta SkyMiles Members
I was reading my latest copy of Bottom Line Secrets and came across this gem that wanted to share with the millions and millions of AmEx Delta Sky Miles Members:
- Until April 30th 2009, you can get your current credit score for free by just asking for it.
Keep in mind this is for Delta Sky Miles Members.
I checked mine out and was pleasently surprised. Remember in this tight credit market, in order to get any credit, you should know your numerical Credit score (330 – 830) as well as your FICO score (a combined score from the 3 credit reporting companies.
Of course, as any company does, they try to sell you an ongoing “credit monitoring” service which you can purchase (approx $12/mo). I of course declined at this time.
Of course if you don’t have the Delta Skymiles card you can get your free annual credit report for free from each of the credit reporting companies (Experian, Equifax, Transunion):
If you don’t do anything in 2009, make sure you know what your credit score is. Good Luck!
AFTER you know what your credit score is, you have the advantage when you negotiate (yes you can, if you try), with your credit card company revised rates. Credit card companies “rank” you based on your credit score, so if you know your score, you can get the best rates.
I’ve mentioned Suze Orman in the past, but I recommend to everyone to look at her site on how you can take charge of your credit!
Was out of town for the past week so didn’t have a chance to add sites, but I’m back now.
Lesson of the week. When you cruise, never pay for internet access! Instead of paying the outrageous fees for internet access on Ship, wait till you get to your next port of call and go to an internet cafe at the port.
I paid over $100 for Internet access for just a little less than 3 hours of access. That’s just about 2 Months of access (example used is comcast)
Back to our sites of the day courtesy of Bottom Line which I read cover to cover:
- I know I get overwhelmed with the number of investing sites out there, so here’s a cornucopia of Investor sites. There are over 20,000 sites. Includes mutual fund comparisons, stock screening tools, annual reports, bond yield calculations, etc… I personally prefer the Motley Fool and Yahoo Finance as my starting spots for investing ideas.
- Develop your insurance smarts by reading vaious articles related to all kinds of insurance including home, denial of insurance, travel, long-term care and other types of insurance.