Search Results for: blog how important is my credit score

Repair Credit

If you have a poor credit score, it is time to get in gear. There are many ways to improve your report, but they all take time to heal the injuries. Therefore, it is important to start now, and then you can reap the benefits of good credit sooner than later. The first step should be to get your most recent credit report from all three reporting agencies, Equifax, Experian and TransUnion. You are entitled to one free report each year, so this is well worth your time. The best place to visit is AnnualCreditReport.com; they will easily process your … Continue reading →

My Favorite Photographer—Ansel Adams

What photographer (amateur or otherwise) doesn’t stand in awe of Ansel Adams’ work? The legendary shooter has produced some of the most iconic and breathtaking images of American landscapes known to man. I discovered Adams’ work in college when I was shopping around for pictures to decorate the dreary walls of my dormitory. I bought posters of Adams’ Moon and Half Dome and Oak Tree, Snowstorm and would stare at them whenever I contemplated leaving the bitter Wisconsin cold and returning home to Hawaii. I ended up staying in college and those Ansel Adams’ posters remained with me for four … Continue reading →

Credit Scores and Reports

Have you requested your credit report and score recently? If you did, you may have noticed a separate report that lists some information about your score. This accompanying report is as important as the score itself, so pay close attention to it. Most credit reporting agencies will provide you a separate statement in addition to your actual credit score. This statement is intended to provide you valuable information about why your score is what it is. While this statement will help you better understand your report and score, there are a few things to keep in mind. Firstly, no one … Continue reading →

Insurance Blog Week In Review August 1-7, 2007

Insurance Term Of The Week: Binder Wednesday August 1, 2007. With all the recent news about Lindsey Lohan’s problems a few recent quotes from the Hollywood reports bring up my area of expertise, Insurance! There has been a bit of chatter about the fact that Lohan may now be “uninsurable.” So what does this really mean when it comes to Movie Insurance? Thursday August 2, 2007. When we think about movie stars, singers and other celebrities it shouldn’t seem strange they may want to insure their assets. The history of celebrity body parts insurance is an interesting insurance market most … Continue reading →

What makes up a Credit Score?

Ever wonder all the basics of what is used for your credit score? Well, here it is, in black and white… and a little grey. To create a credit score, some of the information on your credit report is fed into a mathematical formula. The critical information and their importance are as follows: Account Types – This includes mortgages, car loans, and credit cards. The importance of your types of accounts is about 10% of the overall score. Number of Recent New Accounts – Just how many new accounts do you have in proportion to the total? This is another … Continue reading →

Credit Cards and Rewards

Recently I have talked to people who use credit cards for the cash rewards. Generally when you do this you charge all of your living expenses on the card (groceries, gas, clothing and so on), and then you pay off the balance at the end of the month. This can be beneficial if you are responsible enough to pay off your balance in full at the end of every month. If you do this you need to be extremely disciplined and follow these guidelines. 1) There are so many credit cards available with cash back rewards that there is no … Continue reading →

Credit Cards: Yes, You Can

Use them responsibly, that is. If you need to put them away in order to get them, do so. If you don’t have them completely under control, follow Miriam’s advice until you do. If you’re going to put them away, it’s not necessarily a good thing to cancel them. Never cancel them when you’re in arrears! That will ding your credit score very quickly. Try to keep them open until they’re paid off. If you can trust yourself not to use them and they don’t have an annual fee, you’re better off keeping the accounts. When you close them, it’s … Continue reading →

Insurance Review and Update: The Important Paperwork

In this series of Blogs I am sharing my own Personal Insurance Update and Review. So far I am still in the gathering stage. I am working on determining our actual Assets since this is one of the most important things for our family to protect. Now I need to find all the important papers. Lucky for me my husband files everything and never tosses out any important documents. Of course, the 15 boxes of papers we keep stored is a different issue–but, sometimes I don’t mind! When reviewing our insurance I am actually very happy to have all the … Continue reading →

Insurance Blog Week In Review January 9-15, 2007

It’s been a busy week for so many people in the United States. The weather has been a huge problem with snow, ice and unusually cold temperatures. Get ready to pay a lot more for Oranges and Avocado’s after the deep freeze in Southern California. Many homeowners have suffered the Midnight Disaster, including my little brother. Caught completely off guard with freezing temperatures and a ruptured pipe in the attic. Thankfully, he was able to Ask Anna (or sissy) for help in this matter! When my brother woke up to find boxes falling out of his attic and water flooding … Continue reading →

Insurance Blog Week In Review January 2-8, 2007

The first week of 2007 has been an inspiring week for this Insurance Blogger! Not only because I have some great ideas and insurance things to write about–but, also because I have learned a few new things about Insurance myself. Insurance Term Of The Week: Insurance Credit Score Credit Protection Insurance. Consumer Credit Scores What Decides Score? How is the Score Used Errors Concerns Information Many of your are aware that my husband and I are adoptive parents of special needs siblings from the foster care system. I wrote many Adoption Blogs at Families.com before I took this position writing … Continue reading →