Ramblings on technology with a dash of social commentary
RSS icon Email icon Home icon
  • How to get your Free Credit Report Actually Free

    Posted on May 14th, 2010 phpguru No comments

    Do not click on the ads on major search engines to FreeCreditReport.com unless you want to sign up for monthly credit monitoring services charged to your credit card.

    Use the free service sponsored by Trans Union, Experian and Equifax, the nation’s three credit bureaus. Through AnnualCreditReport.com you can safely, freely obtain your credit reports once per year per credit bureau. You can get all 3 at once, or request one every 3 to four months to monitor your own credit, free! If you would like verification on this, I offer this WikiPedia page.

    Note: These sites provide you with a detailed Credit Report. If you are wanting to know your Credit Score, you have to call and request it. For example, Experian states:

    You have the right to ask for a credit score. Credit scores are numerical summaries of your credit-worthiness based on information from credit bureaus. You may request a credit score from consumer reporting agencies that create scores or distribute scores used in residential real property loans, but you will have to pay for it. In some mortgage transactions, you will receive credit score information for free from the mortgage lender.

    …while Equifax says…

    By law, you are entitled to obtain your credit score. There is a fee of $7.95 to obtain your credit score from Equifax Information Services . To request your credit score, please contact:

    Equifax Information Services LLC
    P.O. Box 105167 Atlanta, GA 30348
    or call 1-877-SCORE-11

    If you have more questions, check out TransUnion’s Answers.

  • What is ORM and why should you use it?

    Posted on May 11th, 2010 phpguru 2 comments

    I’ve been asking myself this question a bit more lately so I wanted to find some answers. Nowadays, ORM typically stands for Object Relational Mapping, and less commonly, Object Role Modeling, although the two concepts are related. Mainly I am curious about some of the new ORM implementations for Kohana 3, namely Sprig (based on Django) and Jelly.

    The first page on this topic can be found over at Stack Overflow.

    On the StackOverflow page is a link to this post by Glenn Block on the MSDN blog. I found it a bit surprising that this particular post hadn’t been voted on by any other Stack Overflow members as I found it an insightful and succinct explanation of why you might want to consider using ORM.

    I noticed another topic that comes up in relation to ORM is DM, the Domain Model pattern, and DDD, Domain Driven Design. I thought this post entitled DDD – why bother? was an interesting take with a terrific example illustrating the benefits of an ORM system.

    This post was inspired by Koes.