Identity Theft

I've been getting a lot of marketing calls these days. Woooh, how I hate it. Offering debt consolidation, mortgage, bla bla. I wonder why now I got all these phone calls. It's a bit intriguing to me. I'm trying to check my credit report, is something going on without my knowledge? I'm scared that I got to be one of the identity theft victim.

According to report, 1 in every 20 Americans has been an id theft victim. When I check the report, it needs my verification first before I can access the account. It says that I might have a mortgage and I have to choose the amount that I pay per month. What the hell???

Update:
I can't wait any longer, so I order the 3-in-1 credit reports. Consumer Info offers Free Credit Report, but heck it's just a gimmick, cause it takes forever to actually gain access!! Paid 30 bucks for it, and I am relieved! Clear trails .. :)

Building a credit is very important in the US. Better score on your credit report means creditors will be more willing to lend you money, lower mortgage rate, better benefit, lower rate on credit card, easier buying, etc. I just want to be cautious about the financial thing, especially now I have a child. Financial planning is definitely a priority on my list now. What to pay for insurance, education, savings, bills. Especially we are one-income family, I should be more wise on spending budget. Sometimes I am so let loose. It's so easy to order things over the internet. And I have this addiction with Target (who doesn't? It's cheap and carries cute stuff).

I probably won't go to work for the next couple of months. I am sooo in love with my son. Watching him smiling back at me. How my heart melts right away ... everything else is just a blur for that split second. And I feel like I don't want to leave him with somebody else. I must realize though somehow that I need extra money for us. It's not about buying him toys every now and then, but planning to give the best that I could for him. His education especially. Daddy has a plan already for Dylan, NYU it is ... And he's not even a year old yet! Ok daddy, NYU will wait for Dylan in 20 years. Meanwhile we got to manage a way to get him through there ..