ABOUT THE LIVING LIFE IN COSTA RICA BLOG

I (Vicki Skinner - aka "THE Sarong Goddess") created this blog in 2007 to share DETAILED Finds•Lists•Info•Events•Experiences to help bring more EASE to people living in or thinking of moving to Costa Rica since DETAILS are NOT easy to find here!
I’m NOT an expert (an "expert" 2 ME knows 101%-NOT me). I believe in sharin info•helping where I can! And with over 2,200 entries, so some things might be out of date, so if you find old info PLEASE help each other by getting the updated info & sharing it with me to revise. At least you have some basic info to get you started.
VOLUNTEER TO HELP:
Better yet - do you have some time on your hands & looking for a volunteer project? Since this blog is a labor of love (that comes up often on the first pages of google searches) & RARELY does anyone share a donation (even though MANY have said how much it's helped them), I could REALLY use help going through & updating things. Let me know if you can help!! People that speak Spanish are ESPECIALLY welcome since my VicLish can be somewhat limited at times!!

DONATE:
Has my blog helped you in any way? Helped you find something•given you more EASE? Brought more exposure or business?
I welcome you to show YOUR appreciation for my efforts!
ANY size DONATION is APPRECIATED!
(see below other ways to show your appreciation)
The easiest way is with PAYPAL - Attn: LivingLifeInCostaRica@gmail.com
(note you do NOT need to have a PayPal account to do this - just a credit or debit card)
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LivingLifeInCostaRica@gmail.com
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OTHER WAYS TO SHOW YOUR APPRECIATION FOR THIS BLOG

• Do you have a SmartPhone you're no longer using (with HotSpot capability & a camera?)
• Do you have an Apple Laptop you're not using (mine is on it's last legs. Must be new enough to run current Skypes & have an SDCard slot)?
• Amazon.com or GoDaddy.com Credit•Gift Certificate (attn: SarongGoddess@gmail.com)
• Something else to share?? A gift certificate or invite for your business? I'm open!! (at times I'll add other things here that I'm seeking)

Monday, November 19, 2012

EXPAT HINT - FREE CREDIT REPORT!

EXPAT HINT  -  FREE CREDIT REPORTS

AMERICAN'S - Get a TRULY FREE Copy of each of your Credit Reports EVERY Year!!

Get a FREE CREDIT REPORTS from 
ALL 3 COMPANIES - ONE time a year!!  

NO tricks and NO Credit Cards!!!
(NO "get it free" and they we'll bill you $14.95/month to help monitor it scams like MOST of them are!!)
(it’s a Right the U.S. government has given us)

I JUST saw this on:


Did you (American’s) know that you are entitled to

FREE a copy of your Credit Report - from
each of the 3 nationwide credit reporting companies—
once every 12 months
????

THANX to the Fair Credit Reporting Act (FCRA -
en.wikipedia.org/wiki/Fair_Credit_Reporting_Act  •  ftc.gov/os/statutes/031224fcra.pdf)
you can request a FREE copy of your reports from the 3 biggies
Experian  •  Equifax  •  and TransUnion
(a $39.95 value!!!)

They (the Federal Trade Commission - FTC) said they did that because they had received LOTS of complaints from consumers who thought they were ordering their free annual credit report, and yet couldn't get it without paying fees or buying other services. TV ads, email offers, or online search results may tout "free" credit reports, but there is only one authorized source for a truly free credit report.

is the ONLY authorized source to give you the FREE Annual Credit Report that are yours by LAW!!!


HOW DO I GET IT?
ONLINE:  Visit AnnualCreditReport.com
CALL:      1-877-322-8228, or
MAIL:       Fill out the Annual Credit Report Request form and mail it to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.


HINT!!:  No matter how you request your report, you have the option to request all 3 reports at once or to order one report at a time.

BUT - by requesting the reports separately, you can monitor your credit more frequently throughout the year.”  (hmmmm - sounds like a VERY wise idea - so you can monitor anything you're trying to clean up!!)

BUT . . . NOTE!!!!
FOR EXPATS LIVING ABROAD:
I went on to both links that I gave you above & got a message:
“The AnnualCreditReport.com website is not currently available at your location.”

So they obviously were reading my IP address showing I was online in Costa Rica so they said I’d have to write them for it.

WAY AROUND IT:
BUT, I’m having my best friend/cousin (who I trust with my life) log into my email address and file and send the request from there.  And then I’ll have AnnualCreditReport.com mail the reports to my cuz’s address in the states and I’ll have her scan them and email them to me!!

I haven’t been able to contact them directly yet to see what us living abroad can do but will send them an email.


HEY - I’M NEVER GOING BACK TO THE U.S. - I DON’T CARE!!
(NOT my sentiments at this time!!) - I can’t tell you how MANY people I’ve met here that SWORE they’d NEVER move back who are doing it - ESPECIALLY lately - IN DROVES!!!  NEVER say “Never” as you don’t know what life may hand you!  DON’T close ALL doors EVER!!!

HOPE it helps you!!!

@@@@@@@@@@@@@@@@@@


Have you found this post helpful?  Has it give you some EASE?  Saved you some $$??
PLEASE consider making a DONATION to help keep this site up and me driven to give you some of the MOST DETAILED information out there!!
ANY size of "Gift"/show of appreciation is GREATLY welcome!!
See the top Right corner of the website for PayPal and other instructions
(fyi - you can make a payment through your credit card via PayPal even if you don't have/want a PayPal account!  Just email me with your email address and the amount and I can send you an invoice!)


PLEASE "SHARE" this link with EVERYONE you know that could use this EXPAT HINT!!
LivingLifeInCostaRica.blogspot.com/2012/11/expat-hint-free-credit-reports.html
.


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