So this morning, I realized I was being a wimp, and I signed up for a seven-day free trial at freecreditreport.com. (I know I have mentioned before how I love their songs.) I thought it was 30 days, so I'm a little disappointed, but this was time enough to find out that there are no errors, all my accounts are current (I need to double-check that they're all also "never late" - the site doesn't say, so I need to go back to annualcreditreport.com and get my second statutorily required free report for the year and check whether there are any late payments. And THEN I canceled a Capital One card that I HATE because the credit limit is $500 and they have refused to increase it even though they promised to and I charge more than that and repay it every MONTH and I think they are ridiculous. Unfortunately it is my oldest credit card (by a little less than a year though) and I just read that you're not supposed to do that, so I hope it doesn't do any harm.
Now, I figure that people might enjoy the break from estradiol and progesterone numbers and efforts to improve them. So...
...my credit score is apparently 750. This is in the "excellent" range, which warms my heart. However, according to this article (which seems really good), the break point for good interest rates is 760. Now, I really really want to get a 760. I cancelled the stupid Capital One card (which may actually hurt my credit. But I hate them, so I'm still not going to have it reinstated). I am going to pay all my credit card bills the minute they're payable, instead of merely in full by the due date. I am going to check whether I've got any payments registered as late ever (I don't think so, but just in case). And I am thinking about repaying the one of my college loans that's not consolidated with the others. The total balance on that one is less than $800, but I'm not going to put the money there until I find out that that will really help.
I want that 760. After I get it (and help my DH get off his history the adverse court judgment of the guy in Baltimore who happens to share his name), I am calling first USAA, and then every other lender I can find until I get a rate I like. So, we shall see how that goes.
