- This topic has 3 replies, 4 voices, and was last updated 9 years, 3 months ago by Anonymous.
- May 6, 2011 at 2:33 pm #208214AnonymousInactive
RIght now my credit score is 490
- May 14, 2011 at 11:17 pm #275898AnonymousInactive
If you could do it easy and quickly… every body would have a great credit score and the scores would be useless.
It does not happen over night and it doesn’t happen fast.
Get a credit card, use 10% of the card’s limit in a month, pay that off in full when the bill comes and wait a year or two…. and you will have established good credit for the short time you had credit already.
Your credit history comes from the monthly payments that are reported to your credit report by the credit card companies and loan companies. Make the payments on time and don’t fall behind and eventually you will have a good credit score that shows prospective lenders that you handle your financial obligations in a responsible manner.
Which is what they are looking for when they have to decide whether or not to lend you money.
- May 17, 2011 at 1:40 am #277774AnonymousInactive
Just make payments on time.
- June 12, 2011 at 6:32 am #439168AnonymousInactive
Yes. Part of the policy condition is that you insure the home to either 80%, 90%, or 100% of the replacement value, on a standard HO3 Homeowners form. So, if you want the type of policy that is NOT a replacement policy, you’ll have to get a whole different kind of policy.
Of course, a FLAT RATE policy costs about ten times as much as a standard policy.
Real estate value, or market value, has NOTHING to do with the cost to rebuild. If the house burns to the ground, the insurance company does NOT have an option to “buy” it from you for the face amount – they are required to rebuild.
So, you can do it your way, and pay a way, way, way lot of money for a small amount of coverage, or you can do it the insurance company’s way, and insure to full replacement value, for less money.
Or, what most people like you prefer to do, is just get a personal loan for the balance of the mortgage, so you can pay off the mortgage, and not insure the house at all. Check out this site, if you want to find the cheapest home insurance just in one minute,
Here you can get free quotes from different home insurance companies in your area, its the best way to find an afforable home insurance with a reliable company.
- You must be logged in to reply to this topic.