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Three Up, Three Down

Credit Pacific Service Union Three Up:

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Credit First Service Union 1. Pro golfer John Daly won the Buick Invitational last weekend at Torrey Pines in San Diego by knocking a greenside bunker shot to inside a foot on the first hole of a three-person playoff. The win was Daly's first PGA Tour victory since 1995. Daly has struggled greatly on and off the golf course ever since winning the 1991 PGA Championship after making it into the field as the final alternate. Daly has two majors under his belt, but the waistline inside that belt has dramatically fluctuated over the years as Daly has battled alcoholism and several tumultuous personal relationships. Daly is always a fan favorite and it was great to watch him play to his ability and receive the kind of support from his fellow players and the gallery that he has so often lacked in his personal life.

A credit freeze allows an individual to place a "freeze" on their credit reports at Equifax, Experian, and TransUnion, the three major credit bureaus, so that the bureaus cannot release a credit report to lenders without direct permission from the individual. IDFreeze is the only consumer service that manages credit freezes with all three bureaus at once.

Card Credit Mobile Service 2. With only a few games remaining on the schedule, both the Stanford and St. Joseph's men's basketball teams have been able to remain undefeated. These two teams should be applauded not only for their outstanding play, but also in the way they have run their programs. Stanford and St. Joe's are number one and two in the nation, respectively. Even if each team loses its first game before the NCAA tournament rolls around, the teams deserve to be awarded with a number one seed. Watch out for St. Joe's, with its amazing backcourt of Jameer Nelson and Delonte West, and the Cardinal, led by Josh Childress and Chris Hernandez, in the tournament, where strong experienced guards can carry a team to the Final Four.

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Card Credit Discover Service 3. The NBA All-Star game is now the best showcase of talent in any of the four major sports. While the Major League Baseball All-Star game is the only one where the participants try their hardest on defense as well as offense, the NBA All-Star game is able to showcase the talents of its stars and, when it counts, bear down and play some competitive basketball as we've seen in the exciting finishes of the last few All-Star games. The NFL's is pointless, coming months after some of the players have ended their seasons, using stupid adjusted rules, and not allowing the defensive players to play anywhere near the level that warranted their appearance in the game. The NHL All-Star game is a lot like the NFL's in that they eliminate all of the checking and just put goalies in the line of fire with no defensive support. Baseball's is a competitive game, but the idea that it decides the home field advantage of the World Series is pretty dumb and the tie-game of two seasons ago was an All-Star faux pas that is not easily forgiven.

Yes. FACTA (the Fair and Accurate Credit Transactions Act) lets consumers get one free credit report a year from each of the three national credit reporting companies. To obtain that free report, you must go to www.annualcreditreport.com. What is a 3 bureau credit report A 3 bureau credit report lists all of your credit from all three national credit reporting agencies (Experian, Equifax, and TransUnion). 1 credit reports or 3 agency credit reports.

Credit Public Service Union Three Down:

Card Credit Processing Service 1. The New York Yankees traded for Alex Rodriguez, the highest-paid player in the Major Leagues. Not only does this reinforce the fact that the teams in the Majors are not even close to being on the same financial playing field, but it will force A-Rod to play third base after posting back-to-back gold glove seasons at shortstop. Derek Jeter, a.k.a. the most overrated "star" in the game, will continue to play short while the obviously better A-Rod will be forced to learn a new position. I wasn't mad at A-Rod when he signed with the Rangers for over $250 million, and I can't blame the Rangers for making the trade, but it actually disgusts me that George Steinbrenner, who will now be paying more in luxury taxes than some teams will on their entire payrolls, can spend millions upon millions to fill his hole at third base and surely won't be stopping there with a hole remaining at second and no left-handed starting pitchers.

Center Credit Service Union 2. The Big Ten is terrible this year in men's basketball. There is only one Big Ten team ranked in the Top 25: #10 Wisconsin. The Big Ten has long been overlooked by the talking heads and bracketologists come March Madness, and the conference had usually responded by repeatedly sending teams to the Final Four. But this year, the critics are right. There will still be four to six teams in the tournament, but there is only one team in the entire conference that isn't dramatically underachieving its preseason goals, the aforementioned Badgers, who are poised to win a remarkable third regular season conference title in a row. That puts a lot of weight on the shoulders of a team with a lot of shoulders already on the sidelines with injuries.

Card Credit Service Wireless 3. Maurice Clarett now has absolutely no chance of returning to college football after signing with an agent on Monday. The former Ohio State star running back won a ruling that allows him to enter next year's NFL draft, bypassing an NFL rule stating that players could not enter the draft until they were three years removed from their high school graduating class. The League fears that this will open the floodgates for inexperienced and underdeveloped kids that will try to enter the NFL before they are physically, emotionally and athletically able to adjust to life in the NFL. University of Pittsburgh standout sophomore wide receiver Larry Fitzgerald will also be eligible for the draft after it was decided that the year he spent at a military prep school helped him meet the NFL's criteria. Fitzgerald's decision was met by NFL executives with a lot more excitement than Clarett's.

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