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Guidance on Cellular Phone Rental
Copyright 2011 Richard Keir
Cell phones are selling like beer at a baseball game. As of
August 2005, there were more than two billion cellular phone
users around the world. This number is expected to keep growing
and growing, setting one...
New "Goodies" At Google
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Search giant, Google.com, recently expanded their reach yet again by offering new and expanded services going far beyond simply searching the Internet for relevant information.
Jumping on a growing bandwagon already...
Planning for the Unthinkable
As a child I can remember going through the tunnel that
connects East Boston with Boston holding my breath. Absurd
behavior? Sure, but in my mind I was preparing for the time when
the tunnel would run out of air.
A friend told me that as a...
What Every Work From Home "Want To Be" Should Know Before Diving Into Telecommuting
Thousands of employees are coveting the chance to clock in from their home office. A fortunate few have earned this position through their workplace, while their co-workers are murmuring under their breath. Others are tired of waiting for their...
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Your Credit Report Can Stop You From Getting Everyday Services
What you don't know about credit could be costing you money, everyday.
Most of us want a good credit report to obtain automobile financing, credit cards for luxuries, and to purchase a home. But, beyond these consumer loans, your credit report can stop you from getting services you want.
Without a credit card you can't order tickets, rent a car, or reserve hotel rooms. You can use an ATM check card to reserve hotel rooms, but car rentals require a standard credit card. Poor credit makes it difficult to open a bank account and get an ATM card.
Besides these conveniences, poor credit can mean that you must pay high deposits and rates for everyday services.
Did you know that your credit report can keep you from getting utility connections, good telephone rates, the best auto insurance, home owner's insurance, or even keep you from getting hired?
Many utility companies set minimum standards for service connections. If your credit report shows collection accounts for prior utility bills, you may not be eligible for service at all. And if the utility company does agree to connect your service, you'll need to pay a higher deposit than another customer with good credit who may not need to make any deposit.
The same requirements exist for telephone services. People with a good credit history don't need to pay deposits for a home telephone or cell phone. Of Course, you can prepay for a cell phone, but you will pay higher charges for calls than if you qualify for a premium cell phone service.
Landlords may use your credit score to determine your security deposit prior to moving into a rental property, or even if you should be
allowed to move in at all.
What many people don't realize is that good credit enables them to get better insurance rates. High-quality, low-cost home owners' insurance, auto, and life insurance companies set minimum credit standards for their policy holders. Consumers with poor credit have to pay more for less insurance coverage. Many automobile insurance companies now base your monthly premiums on your credit score; these companies offer a 17% discount if your score is over 625 and a 25% discount if your score is over 725. Why? Because according to their studies, people who guard their credit also take care of their property and drive with caution. (Some states forbid this practice. Ask your insurance carrier for you specific state's policies.)
Bad credit can cost you a job. More and more employers run an applicant's credit report and hire the person with better credit, assuming that better credit equals better integrity and character.
Strong credit translates to personal reputation. Guard your credit so that you enjoy everyday conveniences, services, and employment.
Copyright © 2005 Jeanette J. Fisher. All rights reserved.
About the Author: Jeanette Fisher, author of "Credit Help! Get the Credit You Need to Buy Real Estate," teaches real estate investing and interior Design Psychology. For a free report, "Credit Tips for Mortgage Financing," visit the Real Estate Credit Help Center at http://recredithelp.com/
Source: www.isnare.com
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