A couple of days ago, a friend of mine told me about how you could find out about your credit rating and stuff for free by going onto the equifax website. And I kind of forgot about it at the time but at lunchtime today I was stuck at my desk and decided I would try looking it up. So I stuck in my personal details, my address, my debit card number . . .
. . . Firstly it started to spurt out random facts that only a fortune teller or psychic should know. (Not that I've ever been to either but my friend D has been to enough of them and tells me about it afterwards.)
You have a mobile phone contract that started in 2007? (OH MY GOD, how did you know???) What network is it with? (You mean you don't know THAT???)
You signed up for a store card in 2007. (Argh! Big Brother truly IS watching me!) What one was it? (Er - none of the above, so much for being omniscient!)
Anyway, details all inputted and I eagerly awaited my result. I didn't know what I was going to find. Debts I'd forgotten about? Payments I'd reneged on?
I don't know why I'm really surprised.
- The store card I opened in 2007? I bought one thing on credit with it, paid it off in less than a month out of terror that I might owe money, and never used it again.
- I don't owe a credit card and never put things I buy in real life (ie. not online) onto my debit card.
- It took me nearly a year of deliberating before I went from a pay-as-you-go to a contract on my phone. Which is ridiculous because 1) I got a phone far cheaper than I would on a pay-as-you-go contract and 2) I spend probably half the amount I used to spend on my phone now therefore I was actually SAVING money by doing the contract thing.
- When I belonged to a book club and they would send me those books I didn't want (you know, the editor choice thingys), I'd keep them and pay for them anyway because I was scared if I had to wait for it to be returned and have the debit taken off my account, I might get into trouble for a late payment.
I know, "woe is me, I don't owe money, blah blah blah" - believe me, I'm HAPPY I don't owe money. But the whole report just made me look BORING! Even the time I had a debt collection agency chasing after me for months because someone broke into my paypal account and somehow fixed it so it looked like I owed 1200 pounds wasn't mentioned there! Believe me, I am GLAD it didn't affect my credit rating. But still . . .
What can I say? I'm a perverse fucker sometimes.
Anyway, for "Cheer-Me-Up Tuesday", I am going to post a link to a song that was one of the most popular at the Australia day party a couple of weeks back . . . Here you go!