10.05.23 Free Credit Reports - The Right Way / Eyes Wide Open On HOAs

The Clark Howard Podcast

Clark Howard

Investing, Entrepreneurship, Business

4.6 • 4.9K Ratings

🗓️ 5 October 2023

⏱️ 27 minutes

🔗️ Recording | iTunes | RSS

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Summary

It’s now easier than ever to monitor your credit reports for free, but there are a few pitfalls to be aware of. Also in this episode - Living in an HOA community is a choice about 1/4th of homeowners have made. Homeowners associations can be great, but can also pose problems. Believe it or not, you can lose your home to one if you’re not careful. Free Credit Reports: Segment 1 Ask Clark: Segment 2 Homeowners Associations: Segment 3 Ask Clark: Segment 4 Mentioned on the show Credit Bureaus Announce Big Changes for Credit Reports How To Monitor Your Credit / Dispute an Error on Your Credit Report and Win 4 Ways To Get Your Free Credit Score Credit Karma Review: Free Credit Score and More at Your Fingertips The Jello Exercise - YouTube Looking to Lower Your Funeral or Cremation Costs? Join a Non-Profit Memorial Society How Do I Make Sure My Financial Affairs Are in Order Before I Die or Become Disabled? When the Homeowners Association Comes for Your Home Why You Need To Re-Shop Your Car Insurance Right Now What Is a Thrift Savings Plan? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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0:00.0	It's great to have you here on the Clark Howard Show.
0:08.3	Our mission is to serve you with knowledge so you are empowered to make better financial
0:13.0	decisions in your life.
0:15.9	One way we try to help you make good decisions is with our websites, Clark.com and ClarkDeeals.com.
0:24.6	And I've got a deal for you, great news today.
0:29.7	You now will be able to monitor your credit reports all year long for free for years to
0:37.0	come as big news.
0:39.2	Also, I want to talk about homeowners associations.
0:43.9	Now represent a new construction, two-thirds of homes or a mandatory homeowners associations.
0:50.7	They can be great, but there can also be problems.
0:54.9	I want to tell you what you need to know so you make an informed decision before you
1:00.0	end up in a mandatory homeowners association community, because what you don't know could
1:05.5	hurt you.
1:06.5	You could even lose your home.
1:09.0	So let's talk credit.
1:11.3	Americans know more about their credit than they ever have, but a lot of people are
1:16.6	just totally befuddled by it or don't know who to trust where to look and the rest.
1:22.8	Well, years ago there was a compromise statute passed by the Congress and signed by the
1:28.9	President that required Equifax Trans Union and Experian to make available to you your
1:37.6	credit report once each year for free.
1:41.4	They weren't happy.
1:43.6	But then there was this federally approved site called annualcreditreport.com.
	...

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