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I finally know my credit score

Well I decided to take the plunge and check out my credit score on Equifax. Since I’m looking to buy property in the next year, I want to be able to give myself enough time to fix any errors I find on my report, as well as boost my score. It’s not as bad as I thought it was going to be, but it’s also not that great either. Okay, so it’s 727. There, I said it. It’s out in the open for the whole blogging world to see. Not that a lot of people read this blog, but you know what I mean. Anyway, I’ve noticed some errors in my report … a few accounts that have been paid off, some closed accounts that still say they’re open. I’ll have to find my documentation and send it in so I can get that junk off. I think that once I finish paying off my student loans, and not apply for anymore credit, I’ll be fine. 727 isn’t bad, is it? I mean, I know it’s not great, but it’s not exactly a double digit number.

But as for my accounts that have been paid off and I don’t use anymore, should I close them? One of them is a joint account that my dad helped me set up, and I really want to close that one off since I haven’t even used it in like 3 years. But it’s also my oldest account, so I’m not sure. I think I’m going to spend some time today researching up on credit scores, because I don’t want to do anything that could affect my score in a negative way.

In other news, I’m finally going to see my accountant on Friday to file my taxes. I’m hoping that since I have a bunch of unused education credits from previous years, and I’m writing off a bunch of business expenses, that I get a good sized refund. I should, since I was still in school last year, but you never know!

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