Jake went online to a credit bureau company (Experian or something like that??) and looked up our report for free to figure out what the problem was. What we found out was that most of our credit lines that are open are school loans. No biggie. But there were a few on there that shouldn't have been and stopped us from being approved even though our credit score is well into the 700s (the highest is an 850, they don't typically exceed 825). One example of an open credit line that shouldn't have been there was from Gordon's Jewelers (my engagement ring). When Jake bought it, he paid for it in full that day. This account should have been closed 5 years ago. In fact, all of our open accounts were and are in good standing! These companies like to keep the account open for ten years. What we didn't know was that you must call these companies and close the account yourself. Otherwise they stay open. Since we have closed those accounts everything is all better. Another thing we learned is that you can go to optoutprescreen.com and get yourself off of the lists that send you credit card offers. They send those to after they've checked your score. Get off of those lists!!! They aren't good to be on!! It cuts your score down, no fault of your own and it's a tragic waste of money and paper. Just wanted to share that in case we weren't the only uneducated when it comes to that stuff. Hope it helps someone!!
Wednesday, February 24, 2010
Lesson Learned
Jake went online to a credit bureau company (Experian or something like that??) and looked up our report for free to figure out what the problem was. What we found out was that most of our credit lines that are open are school loans. No biggie. But there were a few on there that shouldn't have been and stopped us from being approved even though our credit score is well into the 700s (the highest is an 850, they don't typically exceed 825). One example of an open credit line that shouldn't have been there was from Gordon's Jewelers (my engagement ring). When Jake bought it, he paid for it in full that day. This account should have been closed 5 years ago. In fact, all of our open accounts were and are in good standing! These companies like to keep the account open for ten years. What we didn't know was that you must call these companies and close the account yourself. Otherwise they stay open. Since we have closed those accounts everything is all better. Another thing we learned is that you can go to optoutprescreen.com and get yourself off of the lists that send you credit card offers. They send those to after they've checked your score. Get off of those lists!!! They aren't good to be on!! It cuts your score down, no fault of your own and it's a tragic waste of money and paper. Just wanted to share that in case we weren't the only uneducated when it comes to that stuff. Hope it helps someone!!
Sunday, February 21, 2010
Love Notes
How genius were you guys when you hooked up with Bissel to make good smelling vacuum bags? Kuddos to you, thanks for making my house smell
Dear Breyers,
I think you should make your limited edition strawberry cheesecake ice cream a permanent flavor. It would permanently be in my home. It doesn't even have chocolate in it and it is to DIE for. Thank you ice cream scientists for making such a scrumptious flavor.
Those tortillas from Costco that you cook at home,
I'm officially converted and could probably be considered a binge eater after this week.
Dear El Nino,
Thanks for stopping by this month. You are welcome any year you want to stop by. Every 5 years just isn't often enough.
Dear Jillian Michaels,
Although sometimes I think you're uber cheesy, you pump me up. Thanks for kicking my butt the days I'm on the treadmill. That's probably the reason you're rollin' in the benjamins with your job.
Friday, February 12, 2010
This week in pictures:
Monday, February 8, 2010
Reality Check
Friday, February 5, 2010
Lucky day
Along with that good news, we went to DQ then ate our icecream at the park (It was a BEAUtiful day!) AND I made a stop by Goodwill and found a cute pair of shoes that looked like they were pretty much new and they were also half off!!! They're the ones that old guys wear on sailboats.... I hope that I can pull them off cause they're not typical shoes. But I like them a lot so who cares :)
Wednesday, February 3, 2010
Hey! I didn't sign up for this part!
Oh the joys of being a parent :)
Monday, February 1, 2010
My personality test results
Providers take it upon themselves to insure the health and welfare of those in their care, but they are also the most sociable of all the Guardians, and thus are the great nurturers of social institutions such as schools, churches, social clubs, and civic groups. Providers are very likely more than ten percent of the population, and this is fortunate for the rest of us, because friendly social service is a key to their nature. Wherever they go, Providers happily give their time and energy to make sure that the needs of others are met, and that social functions are a success.
Highly cooperative themselves, Providers are skilled in maintaining teamwork among their helpers, and are also tireless in their attention to the details of furnishing goods and services. They make excellent chairpersons in charge of dances, banquets, class reunions, charity fund-raisers, and the like. They are without peer as masters of ceremonies, able to speak publicly with ease and confidence. And they are outstanding hosts or hostesses, knowing everyone by name, and seemingly aware of what everyone's been doing. Providers love to entertain, and are always concerned about the needs of their guests, wanting to make sure that all are involved and provided for.
Friendly, outgoing, neighborly - in a word, Providers are gregarious, so much so that they can become restless when isolated from people. They love to talk with others, and will often strike up a conversation with strangers and chat pleasantly about any topic that comes to mind. Friendships matter a great deal to Providers, and their conversations with friends often touch on good times from years past. Family traditions are also sacred to them, and they carefully observe birthdays and anniversaries. In addition, Providers show a delightful fascination with news of their friends and neighbors. If we wish to know what's been going on in the local community, school, or church, they're happy to fill us in on all the details.
Providers are extremely sensitive to the feelings of others, which makes them perhaps the most sympathetic of all the types, but which also leaves them somewhat self-conscious, that is, highly sensitive to what others think of them. Loving and affectionate themselves, they need to be loved in return. In fact, Providers can be crushed by personal criticism, and are happiest when given ample appreciation both for themselves personally and for the tireless service they give to others.
What's your personality? Go HERE to find out!