Wednesday, March 01, 2006
Credit report & FICO score
I came home from work yesterday and did my usual surfing on the internet. Catch up on news, check e-mail, and browse craigslist.org. I peruse the real estate ads daily with the hope someday that we will be able to afford a home in San Francisco. While we both make decent salaries, most housing in SF is well beyond our price range.
While on that train of thought, I decided to run another credit report on myself to see what my current FICO score is. I last ran it about a year and a half ago, which was then in the high 700’s. I was somewhat surprised, but pleased to find my most recent score increased by another 25 points.
I found it interesting that when I entered my social security number and birthdate, Equifax reports my credit history accurately, but lists my birthdate as December 6, 1959. I have somehow aged 6 months. This would be nearly impossible for me to have been born in December because my sister Cindy was born in July of that year. I would have to have been a “preemie” infant.
Being the stickler I am for accuracy, Equifax tells me I can submit a written letter with a copy of my driver’s license to correct the birthdate error. It’s not worth the bother right now. All I care about is that my credit history is correct. The owners of our building have plans to sell in a few months, which may mean we’ll have to move. Then I’ll strongly consider buying and have the mortgage company fix the error.
image courtesy of creditinstructor.com