There are three major credit reporting companies: Equifax, Experian, and Trans Union. Obtaining your credit report is as easy as calling and requesting one. Once you receive the report, it's important to verify its accuracy. Double-check the "high credit limit", "total loan," and "past due" columns. It's a good idea to get copies from all three companies to assure there are no mistakes since any of the three could be providing a report to your lender. Fees, ranging from $5-$20, are usually charged to issue credit reports but some states permit citizens to acquire a free one. Contact the reporting companies at the numbers listed for more information. Experian 1-800-682-7654, Equifax 1-800-685-1111, Trans Union 1-800-916-8800
If you’ve ever unsuccessfully tried to get grass to grow in the small bare spots in your lawn, you probably made the mistake of not properly preparing the soil. Grass seed needs a lodging spot in order to hold itself in place and protect it against washing rain, drying sun and wind. Use your garden trowel or hoe to work up the upper layer of soil before laying down the seed. A power cultivator will enable you to prepare larger areas.