Started May 2019
Chapter 1: Credit Cards
Action items:
- Make plan to pay down debt. I don’t have credit card debt, so done.
- Get annual credit reports, review, and dispute inaccuracies. I did this, and found out that me and my sister are consider the same person by Experian. We’re both lucky that we pay our bills on time. I still had her accounts, SSN, and addresses removed from my report.
- Call credit card companies and ask them to increase my credit limit so that my debt-to-credit ratio improves. I called Chase and CapitalOne. Chase increased it within 24 hours. Still waiting to hear back from CapitalOne. Seems like this is only a good idea for people who don’t carry credit card debt.
Chapter 2: Banking
To Do:
- Set up auto-withdrawals into a savings account with a high(er) interest rate. Not super important, since the interest rates here are almost too small to be meaningful
- Move my other accounts from the old credit union to the new one, or to a good bank (Schwab?)
Additional to-do’s:
- Move Transamerica account