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Romanov Report 10 – July 21, 2005

July 21, 2005

What Type Of Tickets Affect Your Car Insurance Rate?

I received an email from a driver shocked at the fact that you can be ticketed for a dirty licence plate. What’s even more surprising is that it carries as much weight as a speeding ticket does when it comes to the cost of your insurance. One ticket can cause your rate to increase by $500, two tickets by $1,000, three tickets could trigger a cancellation.

Another friend of mine got 7 tickets, at one time, by a police officer. To view what type of tickets can affect your insurance, click here: /traffic

Your Credit Profile

Insurance companies and other financial institutions are making decisions based on your credit information.

You should know what they are looking at.

For a free credit report, mailed to you, click here. Then click on the bottom right hand side of the page on the links listed under the title; Free Credit Newsletter. NOTE: This report may have limited information on it.

For detailed credit information, on-line, with instant access, and an 800 # service line, here are some options:

1) Your Credit Profile:

To view what a credit profile looks like, The cost to receive your own Credit Profile is $14.95.

2) Your Credit Score:

This report is used by corporations to see if you rank high or low, for your credit worthiness, compared to the general population.

This report can be used to your advantage. If you have a “good” score you could negotiate a better interest rate. To view what a credit score looks like, The cost to receive your own Credit Score is $7.95

3) Quarterly Credit Profile Reports and a Credit Card Monitoring System:

This service provides you with quarterly Credit Profiles. It also notifies you immediately, through email, when something on your credit profile changes including items such as new inquiries or new tradelines, assisting you to guard against identity theft. The cost for this service $22.95 per quarter.

4) Disputing Items On Your Credit Profile:

For information on how to dispute items on your credit report, click on the link below. Then click on the bottom right hand side of the page on the links listed under the title; Free Credit Newsletter.

To order any of these reports, simply click here.