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Archive for May, 2007

Be wary of "free" credit reports

May 22nd, 2007 Linus No comments

During the summer, specifically in the month of May, I obtain my free annual credit report from all three credit bureaus.  Everyone is entitled to a free copy of their credit history every year or when you are denied credit.  This is a great thing to do since identity theft continues to rise.

However, some companies (particularly credit card companies) offer you a "free" credit report.  The report only comes after you sign up for some sort of credit watching service, which can be anywhere from a few bucks a month to a percentage of your balance.  Be alert!  The credit report can be obtained directly from the bureaus’ websites.  Congress recently amended the federal Fair Credit Reporting Act that allows you to have all three agencies give you a free credit report from on one web site.  This website is http://www.annualcreditreport.com.  Do not be fooled by imitations (e.g. http://www.freecreditreport.com).  annualcreditreport.com is the only official website promoted by the FTC.

While the credit history is free, your credit score (the numerical value you are scored and are judged on) costs extra.  I would recommend getting this every couple of years.  I’m doing mine this year.

So be cautious web user.  Your credit will thank you.

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the whispers of tomorrow

May 13th, 2007 Linus No comments

After two months, I finally received my interim clearance at the Pentagon and I now officially exist!  I obtain my security badge, e-mail accounts (both NIPR and SIPR), and received a PIN to access the vault.  It’s awesome!

But even as I’m receiving this stuff, I can’t help but wonder about tomorrow.  Where will I go?  What will I do?  Will I stay here or will I go somewhere?  How will my life change?  What will the weather be?  Will Chuck still be stubborn?

I guess you can never stop asking those questions.  Nonetheless, I’m still asking — not out of worry, but out of hope.  I find myself praying for my future, my parents, and my children.  Hearing whispers of tomorrow, I can’t help but wonder what God has for my life.  Morning the death of my last grandparent, I can’t help but think I’ve lived a third of my life.  This life is so quick, will I see the things that my granddad did?

Will I see tomorrow? 

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