Category Archives: Rants

Check Your Library Books and Used Books Before Taking Them Home

check library booksYou don’t want to take a book home only to find a nasty surprise like this.

Before you take a used book home, take a few moments to make sure the book isn’t damaged. Take a good look at the binding in the front, center, and back of the book to make sure it’s solid and holding its pages securely. If it feels even the slightest bit loose, check to make sure that all of the pages are present. Crosscheck the page numbers with the table of contents if you need to.

The reason I’m writing this is because of an absurd situation I faced last night when I found out that the library book I was reading was missing it’s last chapter and a half—nearly 30 pages. Unfortunately, I only became aware of this when I reached the last page after reading the previous several hundred. It was a thick hardcover book with what felt like a solid binding, so the damage wasn’t noticeable at all unless you turned directly to the end. Even the library didn’t catch it before putting it back on the shelf.

While the rational part of me realizes that this is an infinitesimal problem in the grand scheme of things, I spent the better part of last night grumpy that I didn’t get to find out how the story ended after investing so many hours into it. So do yourself a favor, and give your used book a quick, thirty-second page through to make sure everything is where it should be. It may save you a night of frustration.

How PNC Bank is Trying to Screw Me Over: A Cautionary Tale About Free Credit Reports.

PNC Bank Free Credit ReportA misleading advertisement I received from PNC Bank. Click picture to see more.

Today I received a piece of junk mail from PNC Bank that left me livid. It was an advertisement that claimed I was “eligible to review” a free credit report if I signed up for their credit report monitoring service. Here is the exact wording:

As a PNC Bank customer, you are eligible to review your Free Credit Report from one of the three major credit reporting agencies when you activate the Identity Protect Plus service at no cost for the first 30 days of service.

What made me so angry is that PNC deliberately left out the fact that every American is eligible to receive a free credit report by law. The Fair Credit Reporting Act mandates that every American is entitled to one free credit report a year from each of the major credit reporting agencies. You don’t need to sign up for any overpriced and unnecessary banking services to receive a free credit report. What PNC is essentially doing here is citing a federal law to make it seem like they’re personally giving you one heck of an offer. How sleazy.

As a PNC customer for over ten years, I am extremely insulted and disappointed that this is how I am rewarded for my loyalty. Instead of looking out for their customer’s best financial interests, they are trying to sell a crock of bullshit in an attempt to squeeze $12.99/month out of me. That’s what ten years of my business is worth to PNC. It’s this kind of behavior that last month drove Americans to join credit unions in record numbers.

Shame on you PNC.

Shame on you Brandon Ziroe (the man who signed this letter).

How to Get a Free Credit Report Without the BS

Under the Fair Credit Reporting Act, Americans are entitled to a free credit report once a year from each of the three major credit reporting agencies—Experian, TransUnion, and Equifax. You can request free credit reports from all three agencies through AnnualCreditReport.com. This website is owned and operated by the three credit reporting agencies mentioned above and is trustworthy. It is the only legitimate third-party website that offers you the opportunity to request all three credit reports for free.

Anyone else that is offering you a free credit report is either trying to sell you something or is outright scamming you. It’s important to remember this because there are a lot of shady companies and scammers who prey on consumer ignorance about credit reports. Even trusted financial institutions like PNC Bank aren’t above using these sleazy tactics. Get your credit reports from AnnualCreditReport.com or the credit reporting bureaus directly, and don’t trust anyone else.