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Breakfast for Dinner

In your comments, you guys reminded me of how much I too love breakfast for dinner, so tonight I'm doing it! We're going to have banana pancakes with peanut butter syrup and strawberry jam (weird, I know. I'm looking forward to trying it out. Hope it doesn't suck); eggs and soy sausage links. And gingerbread for dessert, as always. I made the Fourth Gingerbread of Christmas. This one is really good, but isn't quite as light and spongy as the First Gingerbread of Christmas. This latest is the understudy, if for some reason the First Gingerbread is unable to perform.

The year is drawing to a close, and at the risk of sounding like your dad, you're running out of time to check your credit report. Six or seven years ago, my identity was stolen, I guess. Someone changed the birth date associated with my social security number and took out several credit cards. I found out only when I was denied cell phone service for my very first cell phone. It took me a full year to sort it out; the whole ordeal was very frustrating. Now I vigilantly check my credit report every four months, through AnnualCreditReport (they allow one free credit report per year for each of the three reporting agencies, or three free reports per year). If you haven't checked your credit report at all this year, check all three. Do it now! Seriously. For the last six years or so, there has been at least one credit card reported that doesn't belong to me every time I check my credit report. This stuff lingers. I nip it in the bud by disputing the account right away, before too much damage is done, and it is usually easily cleared up. I checked my credit report today and, finally, no unusual or fraudulent accounts! Hooray! GC's credit report was clean, as always.

Your credit report is free; if you want to know your credit score, you'll have to pay. I don't bother with that. Credit scores are tricky, because they measure how well you can get yourself in debt and then how fast you can get yourself out. I'm sure I have a bad credit score, not because I'm a credit risk, but because I've never been in debt or taken out a loan. Anyway, you don't need to waste your money paying for your credit score.

By the way, the Thai food last night was OK. I had tofu ghung (veggies in a garlic sauce). It was good enough, and I'd order it again if I had to eat Thai, but I'm in no hurry to go back. In fact, I forgot my leftovers on the table, but I did manage to bring back the fishy-oyster smell with me. It was in my clothes and my hair. I had to change my clothes as soon as I got home, but kept getting whiffs from my hair. Yuck.

Getting to Know All About You: Shower in the morning or at night?

Comments

I typically find my dad's credit cards on my credit report. It's very irritating, and perhaps you can shed light on how you took care of the incorrect cards on your report -- they don't seem to agree with me that I couldn't open a credit card years before I was born.

And shower at night. Relaxes me.

It's gotten a lot easier to dispute inaccuracies. When you get your credit report online, there will be a opportunity to dispute information or correct personal information (my step-mother was listed as an alias for a while). It takes several days to a few weeks for them to investigate, and they'll remove your dad's credit cards from your report. Are you sure that he didn't put your name on the credit card accounts and just not give you a card? That would show up as accurate.

When I disputed all the fraudulent cards on my report, the reporting agency provided the full account number and contact information for the bank or credit card company, so I called them and had the accounts closed.

I used to get lots of unwanted credit card offers, and I worried that somebody might go through my mail and fill one out. I called the "opt out" phone number on the FTC Web site. Now, no more credit card offers.

shower: morning

I'm considering showering during my lunch break, just to be different.

Typically shower in the AM. In the summer, it's not uncommon for me to jump in in the evening for a quick de-yuckifier after hours of humidity before going to bed. It's nice to fall asleep all cool, smelling like soap.