Check and Tidy Up Your Credit

Take some time with your free credit reports and computer to clean up outstanding items.

I have very good credit and I work hard to keep it that way. I don’t ever want to be denied credit if I need it.

Start With a Clean Shop

The best way to keep your credit rating good is to follow a few simple policies:

  • Don’t sign up for a lot of credit cards. People (and, more likely, computers) who evaluate your credit look at the credit limits set up on your active credit card accounts to see what your potential total liability could be. $5000 here, $12,000 there, $9000 somewhere else — all that adds up, even if your outstanding balance is $0. After all, who knows if you’ll suddenly go on a credit card spending spree and max out all your cards?
  • Minimize personal loan use. A car loan is secured by a car. A mortgage is secured by property. A home equity loan is also secured by property. But personal loans aren’t secured at all. So if you go bankrupt, that’s just another loan a potential creditor would have to wait behind.
  • Speaking of bankruptcy, don’t go there. Declaring bankruptcy should only be used in dire circumstances — for example, you don’t have medical insurance and surgery or long-term treatment for something serious gets you in debt above and beyond your eyeballs. (Frankly, I think the government should provide medical coverage for these serious matters, but don’t get me started on that argument.)
  • Pay everything on time. Everything. Always. I’ve automated my payments through my bank account (not through my creditor’s billpay system) whenever possible. If online billing is not available, I set up to send a minimum amount to cover monthly bills so nothing is ever forgotten.
  • Don’t go into more debt than you have the ability to pay. This seems like a no-brainer, but people do it all the time. All your credit card minimum payments add up, you know. When they get to a point beyond what you can pay each month, you’ll be in serious trouble. And if you have a variable interest mortgage, remember that the monthly payments will go up soon (if they haven’t done so already) and you need to budget for that big increase. (If possible, refinance at a fixed rate or one that remains fixed for at least a few years. INGDirect has a great deal right now that you might want to check out.)

If you want to minimize interest expenses on revolving credit like credit cards, pay them on time in full every month. Not only will you save money — no interest! — but each month you’ll find yourself paying for just the things you bought in the previous month. Sure beats taking a year to pay off things you might not even have anymore.

Review Your Credit Report Regularly

Today, I took a few hours to download, review, and initial investigations for my three credit reports. It was an enlightening experience that gave me some peace of mind.

The U.S. government mandates that TransUnion, experíon, and Equifax must give you their version of your credit report once a year for free. To get your reports, go to AnnualCreditReport.com and follow the instructions that appear onscreen. You’ll have to provide your social security number and some other identifying information. You’ll then go to the Web sites of each credit report provider you selected (I chose all three) to request, view, and print your credit report. I got TransUnion’s and Equifax’s without any problem, but when I tried to get experíon’s, I entered a wrong number for a security question and was told I’d get validation info in the mail to proceed. Still, two reports were enough to get me started.

And no, you don’t have to subscribe to anything or pay $7.95 to get your credit score. (I was tempted to see the FICO number, but did not succumb.)

I found some incorrect information regarding my name (Equifax also has me listed as Maria Chilingerian, although I did not take my husband’s last name when we married and do not use the name at all) and addresses (both had a rental property I own as one of my residential addresses on file). Equifax had a bunch of former employers that were kind of scrambled up. I also found a number of outstanding credit card accounts that I’d opened in a store to get the 20% purchase discount (Old Navy, Pier One) that had never been cancelled. Equifax had a single “adverse accounts” item for an old Alltel bill I’d paid late after a dispute. Oddly enough, it was marked as paid, even though it showed up as an adverse item.

The reports color-code payment history, making it pretty easy to see how good (or bad) you’ve been at paying your bills on time. I was very pleased to see that all of my bills indicated that all payments were on time. I really do try hard.

Both companies offer online dispute investigation for items on the credit report. In each case, I logged in with special identifying information, navigated to the investigation page, and entered correct data or checked off items in a list. For example, I asked both to remove that rental property address and told them that a few credit card accounts indicated as open were now closed.

Prevent, or at Least Stop, Identity Theft

If I’d seen evidence of identity theft, there were boxes to check and forms to fill out to indicate that an item on the report wasn’t mine. This is the main reason everyone should review their credit report periodically. You can see what’s going on in your name and make sure someone else isn’t using your fine credit to finance their round-the-world cruise or new car. But in my case, although the reports were lengthy (I have a habit of taking advantage of those 0% credit card offers for exactly one year), I was personally responsible for initiating every item on them.

I should note here that I once did have my credit card number stolen and used for a handful of purchases before American Express, with the help of Sears, caught on. The whole thing took place over a period of less than a week and I was not held liable for the two charges that got through. No sign of this appears on my credit report. But if someone had opened a new account using my name and other identification information, that would have been very easy to spot.

Don’t Wait. Do it Today.

With identity theft running rampant and interest rates rising, it’s a good idea to go through your credit reports and tidy them up.

After all, who knows when you’ll want to refinance your home, buy a new car, or take advantage of one of those 0% interest offers?

Back Again

With a nasty cold.

Five days without a blog post! Regular visitors must be thinking that I’ve fallen off the face of the earth.

The truth of the matter is, my dad and his wife came for a visit and I’ve been caught up entertaining them. The highlight of their visit was a the Land of the Navajo multi-day excursion I took them on — mostly to test the itinerary and timing for the trip.

I was nursing a cold when we left Wickenburg on Tuesday, felt a bit better on Wednesday, and hit the bottom on Thursday. The biggest problem was that I couldn’t take any medication before flying. And although I do my flying sitting down, it really sucks energy out of me.

Anyway, I’m back and my dad and his wife are on their way back to Florida. I’ll be fighting this cold today and flying tomorrow. But I’ll try to find time to post some blog entries in between — including one I started last week and didn’t get a chance to finish.

A Quick Trip…

…to check for mice.

Our shed at Howard Mesa has been a mouse magnet since we had it installed two years ago. Although we’d ordered it with “hardware cloth” — a wire mesh “fabric” — under the floor, the company that built it for us had neglected to install it. They’d also left lots of places where a small mouse could squeeze in through a crack. Once a mouse gets in, it usually builds a nest in a tucked away place, using bits and pieces of throw rugs, upholstery, curtains, or any other material it can chew to shreds. It also leaves droppings that resemble dark brown pieces of short grain rice every place it’s been. And since mice can apparently climb walls, the mouse droppings can be anywhere.

This was a nightmare for me. Each time we went up to our place for a few days, I’d spend the first four hours cleaning the shed. That included sweeping, vacuuming, washing floors, and disinfecting countertops. Since mice can carry hantavirus, it was especially important that I clear the droppings out without prolonged exposure to them.

I don’t know about you, by my idea of a relaxing weekend away from it all doesn’t include four hours of cleanup.

The Battle

Of course, once I realized that this would be an ongoing problem, I began to wage war against the little critters. I started friendly enough, with mouse traps that would catch them without killing them. I could then transport them to a place far enough away from the shed that they’d take up residence elsewhere.

Of course, I could only set the trap when we were around — if we were gone for a few months, the captive would starve and die a death worse than a quick snap of its neck. But there were enough mice in the place that we usually caught one or two per visit.

When that didn’t seem to be helping, we resorted to rat poison, which we’d throw under the shed before we left. The idea there is that they’d eat the poison and die outside before entering. That was a dismal failure.

Once the shed got electricity — we have a small solar energy system up there — we used a portable inverter to plug in mouse noisemaker devices. They emit a sound that’s supposed to drive mice crazy and keep them away. The constant clicking certainly drives me crazy. We put a few of these annoying things around the shed when we leave. But when we return, it’s pretty obvious that they didn’t keep the mice away at all.

Then we bought weather stripping and used it to seal up the area around the shed’s door. The people who had built the thing had done a pretty shoddy job of it and the door didn’t hang right. The weather stripping would keep out drafts, but would also close up mouse entries. At least that was the idea. Well, it helped the draft problem.

The next task was to locate and close up any exterior hole large enough for a mouse to get in. Evidently, they can get in through some pretty small holes. I took a can of that expanding filler stuff they sell in Home Depot and walked around the outside of the shed with a ladder handy. I poked the tube into every crack and filled it with a dose of the filler. I filled cracks too small to get my finger in. Some were near the ground, some were near the roof, some were around windows. The only thing I didn’t do was go under the shed. But I closed up any holes we’d put in the floor from the inside, so I was covered.

I did all this the last time we were up there, which was for Christmas. We left there on December 27 and hadn’t been back since.

An Upcoming Visit

My dad and his wife are coming for a visit this week. They should be rolling in around noon today. I decided to take them on a helicopter trip up to Lake Powell and Monument Valley, with overnight stays at each place. The flight from Wickenburg to Page pretty much overflies our place at Howard Mesa. And since my dad had never seen it, I thought I’d take the opportunity to show it off.

Of course, during the past few weeks, all I could think about is how much damage the mice could cause in nearly four months on their own. I dreaded the thought of opening the door of the shed to show them the fruits of our hard labor and finding the place destroyed by armies of rodents.

I would be beyond embarrassed.

The only way to prevent this was to take a trip up there and check it out before they came. If it was a mess, I could clean it up before I brought them to see it.

Our Quick Trip

Yesterday morning, Mike and I climbed into Zero-Mike-Lima with a bunch of things we wanted to bring up to the shed — including the cowhide we’d bought at Quartszite in January as a rug for the floor. By about 9 AM we were airborne, heading north.

The morning had been overcast, with a rainstorm moving through the Phoenix area from the southwest. Wickenburg was on the edge of that weather system, so although it smelled like rain, it wasn’t wet. There had probably been some virga overhead. The weather forecast for the Williams, AZ area called for widely scattered rain/show showers until 11 AM, with winds from the south or southwest at about 12 gusting to 17. Although some pilots might have waited until after 11 AM for the flight, I didn’t seen any reason to. The longer we waited, the windier it would get. I didn’t want to be tossed all over the sky on my way up there or back.

Clouds over the WeaversVisibility as we left Wickenburg was fine. There were some low clouds about level with the top of Yarnell Hill. (Mike snapped this picture as we approached; it’s kind of cool because it captured one of the main rotor blades.) We passed just under the clouds as we crossed to the right of Antelope Peak. The flight across Peeples Valley, Kirkland, and Skull Valley was uneventful. When we rounded Granite Mountain — I never fly over the top — we saw the top of Bill Williams Mountain shrouded in clouds. It was hazy up there, but any weather that could cause a problem was to the west, where virga came from the clouds and disappeared about a hundred feet over the desert floor.

Arriving at Howard Mesa, I saw that our windsock had seen its last days. It was torn and hung like a faded orange rag from the pole. The wind was coming from the west, as usual, so I looped around to the northeast and set down on the gravel “helipad” we laid out about two years ago. Mike started unloading the few things we’d brought with us while I shut down the helicopter.

It was cold up there. The temperature was in the 40s, but the wind made it feel a lot colder. I was glad I’d brought my jacket along. We walked up to the door of the shed and I inserted the key. The moment of truth was arriving. I turned the key, turned the door handle, and pulled open the door. The sound of the two mouse noise makers we’d left on could be heard clearly. I looked around quickly — at the floor and countertops — no mouse droppings.

We stepped inside. There were no fresh mouse droppings. The rat poison we’d left was untouched. The place was just as clean as we’d left it.

Mission accomplished. (Really.)

We spent about forty-five minutes tidying up the place, putting down our cowhide rug, and checking water levels in the solar system’s batteries. Then we closed the place up again, hopped back into the helicopter, and headed home by way of Bagdad. (I wanted to show Mike the plane wreck my buddy Ray had shown me earlier in the month, but I couldn’t find it.)

What’s amazing about all this is that it’s a 3 to 3-1/2 hour drive from Wickenburg to Howard Mesa. Each way. By helicopter, it’s about an hour. If we’d driven up to do our mouse check, we would have blown the whole day. But because we flew, we were back home in time for lunch.

My eBay Auctions

I’m cleaning house.

Airport Extreme Base StationIf anyone is interested in seeing what old stuff I’m clearing out of my office these days, please check out my current eBay auctions. It’s mostly Mac stuff right now, but that’s likely to change as I continue putting stuff online.

The big bargain right now (April 22, 2007): An AirPort Extreme Base Station with built-in modem, still in its original sealed box.

Rain Storm in Wickenburg

Not much to talk about.

It rained today. For those readers who live in places where rain is a part of life, you might be wondering why I’ve taken the time to write about it.

But rain isn’t a part of life here in the Sonoran desert of Arizona. Rain is usual. Rain is special. Rain is something to look forward to and enjoy.

The rain came with a strange kind of storm. The day started out clear enough, after high winds last night blew the desert dust around. The dust was hanging in the air this morning when it got light. The same dust we’ve been looking at for the past few days.

It’s spring and wind is part of spring. Calm in the morning, windy in the afternoon, then calm in the evening and overnight.

But last night, the wind didn’t calm down. Our wind chimes tinkled vigorously all night long. We had the windows closed to keep the dust out, so they weren’t loud enough to keep us up.

This morning, it was still windy. But then it got calm. And then it got windy. Calm. Windy. Calm. Windy.

Make up your mind already!

At 10 AM, I left my desk and went into the kitchen to make breakfast. Although I’m usually up before 6 AM and have my coffee right away, I don’t have breakfast until midmorning. And when I reached the kitchen with its southwest-facing windows, I realized that a storm was on the way.

Windy, calm, windy, calm. What a strange day. I watched the hazy, dust-filled sky cloud over from my northeast-facing office window. At lunchtime, back in the kitchen, I saw that the storm was closer.

Oddly enough, my neighbor’s windmill was calm. So was my other neighbor’s windsock.

The calm before the storm?

I went outside and threw my MR-2’s old car cover over my Jeep. I still haven’t put the doors and windows on the darn thing and I didn’t want to get it soaked.

A while later, the wind kicked up again. Howling this time. The palm tree branches I’d cut off our little palm tree days before blew around the yard as a dust devil came through. I went outside to check the Jeep and was surprised to see that the cover was still stretched over it.

I let the dog in.

The rain started a while later. Drizzle then pouring then drizzling. Not enough volume to keep the pavement wet; certainly not enough to get the wash flooding — a good thing, since the horses were down there. The rain cycle went on like that for a while. I checked the radar images on my Radar In Motion widget. The storm was all around me, moving in from the west.

But never enough rain to really get the pavement wet.

We have a problem here in Arizona. It’s often so dry that when it rains, the rain evaporates before it hits the ground. People think I’m kidding when I say this, but I’m not. It’s called virga. Look it up.

Sometimes, even when the rain does reach the ground, it dries before more drops can join it. The drops appear on the pavement, but dry before more drops fall around it. So the pavement doesn’t get wet. That’s what was happening today. Very disappointing.

But when I poked my head outside, I smelled the rain. A nice, fresh smell. The smell of water on the creosote bushes. A smell so unique that the Desert Botanical Garden in Phoenix has an exhibit that simply sprays water on creosote branches so people can smell it.

I kept working. The storm passed through. It got quiet.

When the UPS man arrived, I went outside. The pavement was dry.

To the north, I could see the mountains again. The radar showed the storm had moved to the east.

The storm was past. The rain was over.

Now I’ll have to wait again for the next storm. I hope it’s better than this one was.