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Originally Posted by Danzig
i'm thinking about checking into that 'lifelock' program...one of the things it does is keep you from getting constand credit card offers. it might be worth the $10 a month just to keep from getting those. every day.
i wonder tho if the second mortgage business is one of the things that is fueling the current problems. they preach consolidation, lower your payments,etc. BUT people who have no financial restraint might do what my in laws have done--more than once. pay off credit cards and loans....put it all in one payment...then they have extra money. get more credit cards, run them up. right back to square one. only this time, they have mortgage, second mortgage, and more credit card debt. then they run into problems making payments, fall behind, and lose their home because all of their debt was included in a payment they can no longer make.
my son said he was getting a card for 'emergencies'. i told him he better not, that he'd be surprised how many things suddenly seem like an emergency!
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you don't need to pay anyone to get taken off the mailing lists for pre-screened credit offers.
go to
www.optoutprescreen.com and register there.
that will get your name removed from the lists that equifax, experian, innovis, and transunion provide to buisnesses that want to offer you credit or insurance.
you can choose to do it forever or for a 5 year period.