CreditBloggers.com received some terrific entries in our "You might be a credit geek if…" contest for Funny Money Friday last week. Here are some of the best entries so far.
You might be a credit geek if…
- You ask to see his credit reports (yes, all three bureaus) before you agree to a first date.
- Your idea of a relaxing weekend is to curl up on the sofa and review your credit report for errors.
- You give all your friends the same wedding gift–a copy of Evan Hendricks’ book, "Credit Scores and Credit Reports."
- You have a newsreader consisting entirely of ID theft and credit news blogs.
- You could probably recite verbatim FACTA.
- You are more fired up about HR 3997 than any other legislation in congress.
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You start a website because you’re tired of people asking you the same
questions over and over again about credit and credit reporting. Now
you can just refer them to your website for the FAQ. - You read the terms and conditions on every credit offer you get in the mail simply for the entertainment value.
- You feel the need to share with your friends how entertaining
these offers are. "For real! MBNA expects me to take out a line of
credit with NO CAP on the transaction fee! Can you believe those
losers!?!" - You discover that some credit card companies won’t let you pay
your credit card more than once in a 24 hour period. *cough* Capital
One *cough* - You ask your spouse what makes you a credit geek and he replies, "I don’t have the time to answer that question!"
- You contact Kiplinger to correct them on how to calculate property
tax rates in an article about where the best places to retire are.
(They said PA rated lowest because of property taxes in Harrisburg and
I contacted Dauphin County to learn their specific method of calculation
to prove Kiplinger wrong.) - You know the FDCPA and FCRA like the back of your hand.
- You can answer a credit question with a direct quote that is verbatim from one of the above.
- You get tense when someone asks for your Social Security number.
- You know the exact day of the month each of your creditors update to all 3 bureaus.
- You know the 4th bureau but you think they suck because hardly anybody is reporting to them right now.
- You know the difference between a hard and soft inquiry.
- You think it’s cool to have lots of credit cards with very high
limits because you know how to maximize the benefits of each while
paying zero interest. - You find yourself explaining how credit works to your mortgage broker.
- You can type a validation letter in less than 10 seconds.
- You own stock in FICO.
Are you a credit geek too? Enter your best "You might be a credit geek if…" sayings before Wednesday this week to qualify to win a free copy of the book Identity Theft: How to Protect your Name.
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