Monday, January 27, 2014

Target Free Credit Report for 1 year



Remember the big credit card breach at Target over the holidays? Well, target is doing it's best to save face and is offering EVERYONE a free year of credit monitoring/credit report. Remember this is NOT a credit score, but a credit report.

Sign up HERE

  • It's a good idea to look at your credit report at least once a year to make sure, nothing fishy is going on under your social security identity. 
  • After your free year of credit, you will NOT automatically be billed for another year. It will simply expire, so no need to worry about getting charged for this. 
  • Sign up before April 23rd. 
  • FAQ's
  • Of course, there are other way's to get free scores or credit reports, but his is another great way to make sure your finances are safe. 


Tuesday, January 14, 2014

Free Fico Scores



There are several credit cards that are now offering free credit SCORES when you have an account with them. This is NOT a credit report, rather a score.

Here are the 3 companies currently offering the free score. Discover is one of my favorites as it has no annual fees and many other great benefits.

Barclays credit cards
Discover It
Us Bank

What is a Credit Score?

It's a number ranging from 300-850. This POST explains it all.

What is a Credit Report?

A report shows all of your open and closed accounts in the past 7 years. It shows what accounts are in good standing, delinquent, contact information, etc. It does NOT give you credit SCORE. If you want a free credit REPORT you can get one from annualcreditreport.com. You can get a free report from all 3 credit bureaus (Transunion, Equifax, and Experian). You can get this report free ONCE a year from EACH bureaus. So one strategy some people use is to first get a free report from Transunion, then 4 months later get a free report from Equifax, then 4 months later get a free report from Experian...then start all over with Transunion. That way you can get a free report every 4 months. Keep in mind though, that each report might have slightly different information as each bureau tracks this information slightly differently.

Other free ESTIMATES of your credit score:

Creditkarma.com - free estimate of your Transunion credit score.
CreditSeseme.com - free estimate of your Experian credit score.

These are completely free and actually pretty close to what your score really is. Right now creditkarma.com says my score is 754 and my actually credit score is 755.


Tuesday, January 7, 2014

9 Day Florida Trip for under $300



My family and I took a vacation to Florida back in November. I have 2 children and I'm still a dental student, so a lot of people wonder how I can go on vacations right now. I thought I would share the break down of all the expenses and show you how it's really not that expensive.

3 Plane Tickets: Free from 75,000 bonus credit card points
Hotel: Free using hotel bonus points
Rental car: Free from 12,000 Barclays world arrival points
Gas: $65 for about 600 miles worth of driving
Parks (Gatorland, Sea World, and LegoLand):  $97 including parking
Food: $200
Misc/parking/tolls: $15

Total Cost of Trip: $280

That's pretty good considering I would have spent money on gas and food even if I didn't go to Florida. So really the actual cost would probably be well under $200.

So how did I do this? Here's the detained explanation on how I saved the money.

Airport Parking: First I dropped my family and luggage off at the airport then parked my car for free at a hotel that was close to the airport. I then jumped on a 5 min public transportation to the airport for $1.25. If I had parked my car in a cheap economy lot it would have cost me about $7 a day X 9 days = $63 or much more depending on the location and fees.

Plane Tickets: I got the points from a 60,000 united explorer card I got early in 2013 and from a 40,000 point bonus from Chase Sapphire credit card. I only used 75,000 of those points for 3 round trip tickets from Salt Lake City to Orlando. The cheapest you'll find these flights are probably around $315 a ticket or close to a $1,000.

Hotels: I used to live in Florida so there were several places we wanted to go. So we traveled across central Florida staying in Tampa, Orlando, and Melbourne. We stayed at Country Inn and Suites, Residence Inn by Marriott, and a Sheraton hotel. I used my free hotel points from Club Carlson (I used 30,000 points), Chase Marriott credit card (I used 30,000 points), and SPG credit card (I used 10,000 points). Most people would probably have spent $700+ on hotels for 9 days.

Rental Car: This was a full sized car at a economy sized car price. Because I'm a member of the military they upgraded me for free. I don't think they normally do this, but they did in my case:) I purchased the rental car using my Barclaycard Arrival credit card. The $120 charge will be reimbursed using 12,000 points. I have well over 12,000 on that account. You get a 40,000 just when you receive the card. 40,000 points are good for $440 worth of travel related expenses (planes, hotels, cruises, rental cars, etc.).

Gas: I actually spent $80 using my american express (AMEX) card, but they will reimburse $15 of that because I made 3 purchases of $25+ at BP gas stations. AMEX had a promotion going on that when you spend $25+ at BP gas stations they will give you a $5 account statement. So basically I got my gas for about 20% off the going rate. Nice.

Gatorland, Sea World, and Legoland: Okay, so this is where I get a better deal than most people would be able to get because I'm a member of the Military. Gatorland gave me a free pass into the park and 20% off for my wife and my kids are all under 3 so they were free. Sea World gave my whole family free entrance into the park because I'm military. Legoland gave me free entrance and about 30% off for my wife and my kids are under 3 so they were free to get in. The total another non-military family would have paid would be: $300

Food: We ate out several times at places like Chili's, Cafe Rio, Subway, Sweet Tomatoes, Chipotle, etc. We were able to save for breakfast because most of the places we stayed had free breakfast. We also purchased food at grocery stores.

So this trip would have cost $2,500 - $4,000 without credit card freebies and military discounts.

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