Sign up for our FREE Monthly Email Newsletter
In addition to keeping in the financial know, you may be interested in checking your credit score and report.
¹The credit scores provided under the offers described here use the Equifax Credit Score, which is a proprietary credit model developed by Equifax. The Equifax Credit Score and 3-Bureau scores are each based on the Equifax Credit Score model, but calculated using the information in your Equifax, Experian and TransUnion credit files. The Equifax Credit Score is intended for your own educational use. It is also commercially available to third parties along with numerous other credit scores and models in the marketplace. Please keep in mind third parties are likely to use a different score when evaluating your creditworthiness. Also, third parties will take into consideration items other than your credit score or information found in your credit file, such as your income.
²The Automatic Fraud Alert feature is made available to consumers by Equifax Information Services LLC and fulfilled on its behalf by Equifax Consumer Services LLC.
³Equifax Credit Report Control™ is only available while you have a current subscription to Equifax Complete Premier. Locking your credit file with Equifax Credit Report Control will prevent access to your Equifax credit file by certain third parties, such as credit grantors or other companies and agencies. Credit Report Control will not prevent access to your credit file at any other credit reporting agency, and will not prevent access to your Equifax credit file by companies like Equifax Personal Solutions which provide you with access to your credit report or credit score or monitor your credit file; Federal, state and local government agencies; companies reviewing your application for employment; companies that have a current account or relationship with you, and collection agencies acting on behalf of those whom you owe; for fraud detection and prevention purposes; and companies that wish to make pre-approved offers of credit or insurance to you. To opt out of such pre-approved offers, visit www.optoutprescreen.com/.
4We will require you to provide your payment information when you sign up and we will immediately charge your card $4.95. After that, we will charge the card $19.95 for each month you continue your subscription. You may cancel at any time; however, we do not provide partial month refunds.
Equifax® is a registered trademark and Equifax Complete™ Premier is a trademark of Equifax, Inc. © 2014, Equifax Inc., Atlanta, Georgia. All rights reserved.
After a grueling winter, it’s important to prepare your home for spring by repairing any cold weather damage. Snow and ice can wreak havoc on your home’s infrastructure, and it’s important to address issues quickly.
Begin prepping your home for spring as soon as the snow melts
“Spring is an ideal time to inspect in and around your home for any safety hazards,” says Loretta Worters, vice president of communications at the Insurance Information Institute (I.I.I.). Spring is also a great time to make sure warm weather necessities, such as air conditioning units, are working properly after the cold season.
The I.I.I. offers the following ten home maintenance tips to help you get your house in shape for spring.
1. Clean gutters and check for leaks. Clean out any leaves or debris that may have accumulated in the gutters. Check to make sure the downspout directs water away from the foundation, and add extensions if necessary to keep the water away from your house. It’s also a good plan to install gutter guards. These will protect your gutters from clogging and ensure that water does not accumulate on the roof.
2. Replace roof shingles. It’s no fun waking up to water dripping from your roof, and the significant cost of repairs can cause major headaches. Check for roof damage, including missing shingles, leaks, and general aging, as soon as possible after the snow melts. Shingles that are cracked or loose need to be replaced.
3. Repair concrete. Ice can do serious damage to cement and exterior walkways around your home. Inspect concrete for shifting cement or for cracks, which should be filled with caulk or concrete crack filler.
4. Inspect pipes for leaks. Water damage can mean big insurance claims, so check for leaks in pipes and faucets as well as in hoses leading to dishwashers, washing machines, and refrigerators.
In addition, know the location of the main water shutoff valve in your home. A damaged hose or a burst pipe can send water racing into your home. You will save yourself time and money by knowing where this valve is located and how to use it to shut off the water supply.
5. Replace smoke detector batteries. While you’re prepping your home for spring, make sure all smoke detectors have fresh batteries and are working properly.
6. Seal windows and doors. A windy winter may have damaged the seals on your windows and doors. Check caulking for decay around doors, windows, corner boards, and joints, and recaulk as needed. Be sure seals are tight to improve insulation and prevent water damage.
7. Prepare lawn equipment. Replacing your engine oil will increase the life of your machine, and a sharpened blade will make yard work easier.
8. Check the basement for water damage. Basements can bear the brunt of water damage if not checked frequently. They’re also a prime location for mold. If the air is too dry, consider a dehumidifier. If you have standing water, figure out whether the problem is on the interior or the exterior of your house.
9. Test the air conditioning units. Don’t wait for a hot day to discover that your air conditioning is not functioning properly. Spring is the right time to change the filters, clean the system, and make sure everything is working to maximum efficiency. Clean filters will also prevent your air conditioner from straining. Hire a contractor who can clean and inspect your mechanical systems.
10. Check your washer and dryer for fire hazards. Lint can escape a dryer hose that has been poorly connected and can then build up against the wall, causing a fire hazard. Household appliance fires are one of the most common reasons given for homeowner insurance claims.
As a homeowner, it’s impossible to prevent every problem that could arise. But with regular maintenance and a little elbow grease, you can ensure your home is a safe and comfortable place for years to come.
Ilyce Glink is the author of over a dozen books, including the bestselling 100 Questions Every First-Time Home Buyer Should Ask and Buy, Close, Move In! Her nationally syndicated column, “Real Estate Matters,” appears in newspapers from coast-to-coast, and her Expert Real Estate Tips YouTube channel has nearly 4 million views. She is the managing editor of the Equifax Finance Blog, publisher of ThinkGlink.com, and owner of digital communications agency Think Glink Media. In addition to her WSB radio show and WGN radio contributions, she is also a frequent guest on National Public Radio. Ilyce is a frequent contributor to Yahoo and CBS News.
The information contained in this blog post is designed to generally educate and inform visitors to the Equifax Finance Blog. The blog posts do not give, and should not be assumed to provide, personalized tax, investment, real estate, legal, retirement, credit, personal financial, or other professional advice. Before making any financial decision, you should always consult with the appropriate professionals who can explain your options, rights, and legal responsibilities, and advise you on any tax, legal, credit, or business implications that may result from those decisions. The views and opinions expressed by the authors of blog posts are their own views and may not be the views or opinions of Equifax, Inc. and/or its affiliates.
Equifax maintains this interactive forum for education and information purposes in order to allow individuals to share their relevant knowledge and opinions with other members and visitors. We encourage you to participate in discussions about personal finance issues and other topics of interest to this community, but please read our commenting guidelines first. Equifax reserves the right to monitor postings to the forum and comments will be published at our discretion. Do you have questions or comments about your Equifax credit report or customer-service issues regarding an Equifax product? If so, please contact Equifax directly. All opinions and information expressed or shared in blog comments are solely those of the person submitting the comments, and don't necessarily represent the views of Equifax or its management.