I've been moving around a lot the past year, I finally just settled down rooming with Ovid. As a result my mail has been chasing me around and not all of it made it. So some bills got dropped on the floor, but my non-existant accounting system doesn't tell me what.
I found out from a friend one can get a free copy of their credit report every 12 months.
A recent amendment to the federal Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies to provide you with a free copy of your credit report, at your request, once every 12 months.
For some reason they're rolling it out west to east, so being in Oregon I can get my report now but those on the east cost have to wait until the end of the year. Interesting reading. You can see all your positive and negative credit reports. You can also see who has accessed your credit report and when. Discover, Capital One and Bankone DE like to look at my account a lot.
I found out that a few people think I owe them money. Some were correct. Most I have to dispute. All I can say about that is today I've encountered pretty much every crappy automated phone system, every flavor of hold music and every way to get my call dropped while on hold.