Dream a Little Dream of 1 Thing

Thursday is a great day to do that 1 thing you don’t want to do but also don’t want to continue thinking about doing. What is your 1 thing?

Many moons ago (1.5 moons ago), I had to give my new landlord a copy of my credit report. I had saved one somewhere but I couldn’t find it and when I logged in to get my ANNUAL FREE CREDIT REPORT, I was denied because I’d already gotten one this year.

So I did that thing where you pay $1 for your trial membership to a credit monitoring service so you can download your report. You’re supposed to then immediately call and cancel but I FELL INTO THEIR TRAP by of course immediately forgetting that I’d done that. Then last month when I was charged $17.95 (!) I noticed it and thought, “Oh, I should cancel that,” but you have to CALL TO CANCEL. Like, on the phone? Which is difficult. So I put it off again. And then they charged me $17.95 again!

So my 1 thing is to call and cancel that finally, now that my genius $1 credit report has cost me $35.90.


21 Comments / Post A Comment

ccq (#1,175)

fwiw you can actually get your credit report free once a year from 3 different agencies- transunion, equifax and experian. so you can get 3 free credit reports a year. the site is annualcreditreport dot com.

*this is different than your credit score (fico score), and these agencies will not actually tell you your fico score. you usually need to pay to see that. but the credit report will send you reports of all your cards, balances, info, overdue notices, etc, so you can see if anything looks off.

lanascrub (#2,531)

Agreed about the credit reports. I save PDFs of mine so I know which agencies I’ve already used in the last year.

You can check your credit score for free at Credit Karma. I’ve been using that for months now and its awesome! I think they make money by partnering with credit card companies, etc., so they will recommend lower interest cards or auto loans, etc., but the ads are not intrusive. I think you pretty much don’t see them unless you are looking for them.

It’s still ridiculous that this one number – resulting from a Secret!Formula – has so much say in how we live our lives, but until the credit industry destroys itself, it’s good to be informed at the very least.

WWVMD (#2,368)

I was going to try to locate my 401K from a job I left over a year ago (I know, I know, but every time I called, they asked for my employee ID and I couldn’t remember it, so I just gave up)…but that seemed complicated, so I made a dentist appointment instead. ONE THING!

Ughghghgh I hate how they trick you into expenses like that. Whenever I sign up for anything similar, I put a note in my calendar that says “CALL (number) TO CANCEL (credit report/amazon prime/web hosting/whatever) TODAY” and set up like five email reminders so I basically annoy myself into doing it.

ThatJenn (#916)

@dj pomegranate I make sure to call THAT VERY DAY, the minute I finish printing the whole thing to PDF and saving it somewhere. I like the email reminders though. But I do try to schedule the whole thing when I have more than 30 minutes to spare so I can do that whole thing and then call, all in one fell swoop.

okay that took 4 minutes and i only had to say i was sure like, 4 times? FINE.

@Logan Sachon ugggghhh, I did this too, and I have paid more than $35.50. I didn’t even need a credit report I was just curious to see what my score was. Maybe cancelling that will also be my one thing today… (it probably won’t be though)

BananaPeel (#1,555)

Recently I also checked my credit report and I DID call and cancel all 3 agencies within the trial time but I kept getting charged for one of them and somehow didn’t notice for a couple months. I called and it became a he said/she said of whether when I originally called I agreed to stay on with them for an additional month (I AM SO SURE I DID NOT. I KEEP NOTES.) and I kept calmly asking for a refund and eventually they refunded me half of the amount that I had been charged over those 4 months, which, not perfect but I was proud of myself for not saying “Oh, no big deal.” and being agreeable as is my nature. I think I was inspired by Ramit Sethi’s negotiation scripts.

my one thing was to call iron chef and change my new year’s reservations to an earlier time. AND I DID IT. MWA HA HAAAA.

my other one thing which is to get my final HPV shot, I still haven’t done. But I haven’t forgotten about it either, so, progress.

Keck (#2,466)

My one thing is putting the new registration sticker on my car. This is SO stupid, because it would literally take 1 minute to do but I just don’t feel like doing it. Plus I don’t drive to work and when I get home from work it’s dark. And I park outside. In the dark. The sticker has been sitting on the kitchen counter for almost two months.

shannowhamo (#845)

I can’t do my one thing until tomorrow but I must call Netflix and make them refund me for the “unreturnded dvd fee”- I cancelled my DVD plan but kept forgetting to send the last DVD back. Gimme a second, Netflix! It’s a movie that’s on streaming anyway so it can’t be in THAT much demand (Bernie, if you’re curious, it was pretty good, but I probably liked it mostly because I have family in east Texas that sound like all the people in the movie.)

craygirl (#63)


Oh my gosh! I just watched that this week. I liked it, though I watched it because I had read that Texas Monthly story about the crime so it was weird to see Jack Black & Shirley Maclaine instead of the characters I had made up in my head.

I got my emissions tested so I could renew my car registration online. I didn’t actually realize it was expired, whoops. Thanks to my friend who randomly instagrammed waiting in line at the emissions testing center and reminded me that this is a thing that has to be done!

ThatJenn (#916)

My one thing is photocopying all of my stuff to send in a refund request to the state tax collector’s office – I just turned in a license plate after less than a month of having it and I want my new plate fee back.

Renleigh (#2,110)

My one thing is to call my apartment maintenance people and have them fix the handle on my toilet. It’s been loose for like, months, and the tank keeps running and I’ve been meaning to do this forever but I feel like I have to clean my bathroom first so they don’t judge me when they come to fix it. So I guess my two things are clean my bathroom and then call them.

Stina (#686)

I investigated and chose what travel insurance I was going to get for an upcoming trip. I haven’t bought it yet but I’ve been carrying around my list of companies to investigate for two months now.

MuffyStJohn (#280)

Get ready for a painfully hard sell from the CSR when you call to cancel, Logan. I had to listen to 15 minutes of babbling about how awesome credit reports are before I could cancel mine. It was like a timeshare pitch.

I have to finish screwing this damned armoire I bought into the wall of my apartment, which is brick, and my electric screwdriver doesn’t have enough torque to power through the pilot holes, so it has to be done by hand, and did I mention they are 4″ screws and there are like 15 of them and I have arthritis in my hands? Yeaaah.

francesfrances (#1,522)

Credit reports are weird. I recently got a loan for a used car, and when I was loan shopping/applying, US Bank told me my credit score was quite mediocre, while two credit unions got a totally different score for me that was wayyyy better. Takeaways: 1) Don’t trust the first source to give you a credit report. 2) Logan, maybe you should pretend to apply for a car loan so you can get your credit score for free?

DickensianCat (#971)

Credit Karma! Credit Karma!


Report and score are free for realsies, no hidden fees, you can check your score and report however often you like, and they send you alerts when the score drops or raises, there is suspicious activiity, etc. It is amazing.

readyornot (#816)

My 1 thing also involved a phone call. I had to call the city of Los Angeles to see why I didn’t qualify for the exemption I should have qualified for on a business tax when I did a temporary analytical job. The answer was annoying! But at least it’s over and I can take care of the thing now.

calamity (#2,577)

I did two things yesterday!

1. I called my gynecologist to make sure that they were still holding their HPV vaccine clinics on the second Saturday of the month. I meant to do that ages ago, but I ended up being out of town the second Saturday of both October and November. Turns out it’s held on the THIRD Saturday. So … good thing I called. (Of course, if I had called several Thursdays ago, I could be 2/3 of the way done already …)

2. After months and months of putting it off, I called my health insurance to find out why I couldn’t log into my account, which I needed to do in order to make sure I wouldn’t have to pay for these vaccines myself. Turns out they freeze your account if you don’t log in for 6 months. Um, sorry for being healthy and scheduling all my yearly checkups at once??? Anyway, it was actually ridiculously simple; they sent me a new password and yes, Gardasil counts as a preventative service and is covered. Thanks, Blue Cross Blue Shield!

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