DIY Tiny House With Amazing Loft Hammock


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Ten Important Facts About Freezing Your Credit


Ask Carolyn Warren

After criminals hacked into Equifax’s credit system, people are asking if they should freeze their credit.

Here are ten facts to know about freezing credit:

  1. Freezing your credit will lock down and stop all new credit activity, so that no one can open a new account in your name or with your social security number.
  2. If you want to apply for credit, such as a mortgage or auto loan, you will need to contact the credit agencies with the personal identification number (PIN) they supplied you with.
  3. You must give them three days to unfreeze your credit.
  4. If you unfreeze your credit to apply for financing, you can then refreeze it afterward.
  5. A credit freeze does not prevent you from using your existing accounts.
  6. You can still dispute erroneous information in your credit file during a credit freeze.
  7. You can request your free annual credit report while your credit is…

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How to Protect Yourself From Equifax Hackers


Ask Carolyn Warren

Equifax, one of the three big credit bureaus, announced that hackers have illegally accessed 143 million Americans’ private information. This security breach occurred between May and July and was discovered on July 29th. Equifax has said it will notify all victims, but if you’d like to be proactive, here are steps you can take (with caveats).

Protecting Your Online Security: Actions to Consider

  1. Send a letter through the good, old-fashioned USPS mail requesting a copy of your free annual credit report. Look for anything that should not belong there, such as a new account you did not open or a hard inquiry you did not authorize.
    Caveat: Do not order your credit report through the Internet, because in doing so, you would give up important legal rights.
  2. Enroll in Equifax’s one year free monitoring service.
    Caveat: They will not help you repair your credit, only monitor it.
    Second Caveat: By…

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A Tiny Complicated House


The Hermit in the Desert

Today I visited my first tiny house. I’ve been fascinated by these little homes for several years now, but this was my first time actually walking through out. I went with a friend of mine who, along with his wife, are also aficionados of simpler ways of life.

20170820_122929_resized-Tiny House

The new community is in the Northwest section of Charlotte, NC, well outside of the metro area. The community, if it comes to fruition, will exist across the street from an elementary school.

The first thing that struck both of us was how large the “tiny” house was, and this wasn’t even the large version of the model. The 493 square feet unit you see here begins at $89,950. But for only $14,000, you can add 100 sq. ft. For $20,160, you can add 144 sq. ft., and for a measly $23,800, you can add 170 sq. ft. I’m not sure if…

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Coming July 10, 2017: Tax Liens, Judgments Removed from Credit Reports, per New Federal Law


Ask Carolyn Warren

freedigitalphotos.net

A new federal law requires the credit bureaus (also called credit reporting agencies or CRAs) to remove tax liens and judgments from credit reports if they do not include the proper information identifying them to the individual.

It is estimated that 60% of tax lien information will be removed from credit reports and ALL civil judgment records will be removed!

A release from TransUnion gives some insight about what to expect:

  • Based on feedback, most Bankruptcy information will meet the minimum reporting requirements, so don’t expect those to go away.
  • The new standards will apply to both new and existing public record data.
  • Minimum identifier data required: Name, Address, Social Security # and/or Date of Birth
  • Minimum frequency courthouse visits to obtain newly filed data: 90 Days

When it will roll out: During the week of July 10, 2017, the CRAs will remove from their databases previously collected…

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