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Is Your Credit Score Costing
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Is Your Credit Score Costing
You A Fortune?
-by Terry Price
(C) Copyright Terry Price
All Rights Reserved
http://happynow.niesong.hop.clickbank.net
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While some surveys show that
9 out of 10 consumers are
unaware what their credit
score is, I'd like to quickly
share with you how your
credit score could be costing
you a fortune (in more ways
than you can imagine).
We all know a low credit score
will make everything in the
world of finance more expensive
because of higher interests rates
from lenders due to being
considered a greater credit
risk (i.e. higher interest rates
on cars, homes and credit cards).
While this may be considered
common knowledge by some, it's
truly devastating effects are
understood by few.
For example. If you purchase a
$200,000 home on a 30 year fixed
mortgage at 8% interest instead
of 6% (because of your credit score);
that 2% is going to end up costing
you a total of $96,934.11 over the
term of the loan. Now, think about
how many extra years you'll have
to work to pay off $96,934.11
because of an extra 2% in interest?
The part few people talk about is all
the other areas in life where a low
score will increase your cost of living
on an annual basis. For example.
In addition to paying more for a car,
home and credit cards, a low credit
score will most likely have you paying
more for the following as well:
1.) AUTO INSURANCE. As many as
92% of the 100 largest personal
automobile insurers use credit
information to underwrite new
business, according to a 2001 study
by Conning & Co., an insurance-research
and asset-management firm.
2.) HOMEOWNERS INSURANCE. It's
thought many insurance companies
see a correlation between low credit
scores and increased property insurance
claims. Therefore, a low score will
result in a higher rates.
3.) LIFE and HEALTH INSURANCE.
Global Warming Heating Up…or Cooling Down?
Man’s original home in the Garden of Eden was perfectly suitable for living—forever. How so? Before God created the first man out of the elements of Earth, God took time to prepare the Earth which for untold time had been "without form and void," when "darkness was upon the face of the deep" (Gen 1:2). During the creative days He then proceeded to prepare the earth for man’s habitation.
The Three Destinies of Man
Tragic events so prevalent in our day cause many to seek answers about life, death and the hereafter. Frequently asked questions are: "What is to become of me after I die? Is death the end?" "Will I go to heaven, or will I go to hell because I've backslid?" "What happens to the billions who have never heard of Christ?" In answer to these questions, our response is that God has illustrated in His Word three different paths which lead to three different destinies.
Putting Out the Fires of Anarchy
"Therefore wait ye upon me, saith the LORD, until the day that I rise up to the prey: for my determination is to gather the nations, that I may assemble the kingdoms, to pour upon them mine indignation, even all my fierce anger: for all the earth shall be devoured with the "fire" of my jealousy. For then will I turn to the people a pure language, that they may all call upon the name of the LORD, to serve him with one consent [‘shoulder to shoulder’ NAS]." Zephaniah 3:8-9
Customers who are unable to pay their
monthly insurance premium thereby
pass along that increased cost to the
insurance company whose stuck with
the bill (resulting in a loss for the
company). Since customers who pay
without lapse are more profitable it
is felt by many that a low credit score
now even affects a monthly life and/or
health insurance premium negatively.
One of the more shocking areas where
a low credit score will you cost you
is in
the area of employment. It's estimated
as many as 42% of employers now do
credit checks on applicants before
hiring
them (according to a 1998 survey by
the Society for Human Resource
Management).
While many employers claim they only
do it to verify information on your
application (such as where you live and
where you have worked etc.) we can
both assume they are taking the liberty
to have a peek at how you handle your
financial affairs as well. According
to the
Public Research Interest Group (PIRG) as
many as 79% all credit reports contain
errors, 25% of which are serious enough
to cause the denial of credit (according
to a 2004 report).
And that's all the more troubling in
light of the increasing impact a bad
credit report can have, says Ed
Mierzwinski, director of PIRG's
consumer program. "It's outrageous
that the credit bureaus are claiming
their scores are accurate enough to
take people's lives and screw with
them like this".
In the next segment we'll be talking
about something very, very exciting.
It's called...
"Insider Techniques to Raise
Your Credit Score... FAST!"
See you in a couple days...
Jay
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The "CREDIT SECRETS BIBLE" has been in
print since 1994 and is published by
Consumer Publishing Group.
For more information on the "CREDIT
SECRETS BIBLE" you may visit:
http://happynow.niesong.hop.clickbank.net
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