Health Insurance Ratings
Health Insurance Ratings
AM Best Affirms Ratings of UNIFI Companies Oldwick, NJ —- AM Best Co. has affirmed the financial strength rating of A and credit issuer ratings of "a +" of Ameritas Life Insurance Corp, First Ameritas Life Insurance Corp. of New York, Acacia Life Insurance Company and The Union Central of the life insurance company.
Health Insurance – 5 Star Ratings
How to build my credit and fast?
I am trying to build my credit in order to buy my first home in 6 months. i have only one account on my credit and it is in perfect ratings. I have many charge offs of hospital and doctor bills from about 3 yrs ago when I didnt have health insurance…any ideas on the fastest way to build my credit? ive applied for a couple cc and have ben declined and dont want to lower my score anymore try to get credit….thanks
Although there’s programs out there to help first time buyers, trying to build your credit will be hard to do, especially in 6 months. As far as establishing credit, I would check where I do my banking to see if they offer secured credit cards. Think of this as building credit with a savings account, because that’s pretty much how it works: a deposit is placed upfront which usually is tied to a savings account that’s used as collateral to give a credit line in the same amount. The deposit isn’t used to the balance or the minimum payment only unless it’s delinquent and the account’s been closed. However as long as you make very small purchases that can be paid off on time every month to show activity, usually awywhere from 9 – 18 months the card changes to a regular one and you get the deposit back in full. Another good thing about it is that you can increase the credit line at any time by adding to the deposit. The higher the limit the better it looks when it reports on your credit. Another thing I should point out is that the deposit gains interest while you’re building credit.
If you’ve been paying rent, utlities, insurance, cellphone, cable/satellite, then you should enroll with PRBC to have those payments reported as “alternative credit” The accounts I mentioned do not on your regular credit report when you pay, but they do when you fall behind. PRBC felt that those accounts were just as important if not more important and that on-time payments should be taken into consideration when it comes to building credit. Chances are, if you’ve paid rent and utlities already for a year, and can provide documented proof, PRBC can help you qualify for a mortgage
http://prbc.com/consumers/how/mortgage.php
The website’s for real. There’s a lot of information that I didn’t cover that I may have left out, All I can say is that you should really take a look at it. I believe that this may help you out the most. Also, I posted links to secured credit cards that may help out. My personal recommendations are the Citi and Bank of America ones, reason being that the security deposit on the Citi is link to a certificate of deposit that gains 4%, which is excellent, and the Bank of America secured card has the shortest time for it to convert (9months).
Another thing that may help you out would be to settle those charge offs by requesting that they be removed from your report in return for a payment for deletion. Here’s a link that I think will help you when you try to negotiate those debts.
http://www.creditinfocenter.com/debt/settle_debts.shtml
Hopefully this will help you
Good luck,
