sean_mchugh6 asked:


I just started working as an over the road truck driver so i dont have a physical address. Around July or August I would like to get a home loan for a duplex… by that time I estimate that I will have $15,000 in savings. I am currently making about $40,000/yr.

What can I do to raise my credit score within the next 8 months? I will have had no late payments within the past 12 months but my only bills are my sprint account, auto insurance, sirius radio, visa, and mastercard (and maybe health insurance but that is taken directly out of my paycheck). If I paid my dad like $50 a month for rent would that help improve my chances of getting a loan?

I am looking at buying a duplex that costs between $80,000-$100,000. thanks for your answers!

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? Alexis B ? asked:


I currently have a checking account and an auto insurance policy with USAA. They offer a discount on insurance based on what and how many products and services you have with them, therefore, I am thinking about opening a credit card with them (I do not plan on using it).

I currently have an AMEX with a $6,000 limit and currently have a balance of $2000

I also have a Capital One Visa with a $500 limit and have a balance of $300.

My credit score is 705.

I already have 2 other checking accounts (Wachovia & ING) and another higher interest savings with ING, so I don’t want any more banking services…and I don’t plan on making any major purchases for another year or so (buying a house).

Will it bring my score down considering the new inquiry and new card? Is it worth it to open a card and save a couple bucks on car insurance, or should I just leave it be?

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Ninja J asked:


In 2005 I was in a serious car accident that left me in a hospital for almost a month, I was on life support for several days & in the car accident I was involved as a passenger. After we spoke with all involved insurance companies I settled with the owner of the car I was in and the driver (2 separate auto insurances) After which my health insurance picked up the remaining medical bills. We made them (health ins)aware of one of the PIP settlements(10,000) and paid them back half of that (5,000) Over the years most of my settlement paid for chiropractor appointments/etc. in 2007 I had to have some of my serious scars revised as tissue was separating & causing pain – and after several months the health insurance paid on the claim. Just recently a subrogation service that works for the health insurance sent a letter to recoup from the other driver & car owner. I have already settled & the money we got from them is gone – I will still cooperate with this company but I am pretty sure that they cannot take any money from the other insurances, as we agreed upon settlement not to come after them. (these are progressive auto companies) Does this mean I’ll likely be responsible for the amount they’re trying to recoup? And in Florida, how much can they require me to pay, being a no fault state? I cannot afford a lawyer, and I want to do the right thing, but I’m terrified that I might not be able to pay back whatever amount my surgery cost. Will I have to go bankrupt? I have no car or home, no savings, nothing for them to take, really. Only my credit score which is very, very good. I don’t want to have to turn to chapter 11. Please help!

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Joel asked:


Having difficulty finding a cheap auto insurance rate? Many Americans regret certain things in their past that are now making it hard to them to find a low auto insurance rate. Some of the things that are hkeeping many consumers from getting a low rate are things that may or may not be the consumer’s fault in the first place.

Some of the things that will keep you from getting the best auto insurance rate include a bad driving history (lots of accidents and/or moving violations), a bad credit score, and simply owning a car or truck that is considered relatively risky to insure.

Here are some things that you can do to find the cheapest auto insurance rate available in your area and find the best possible rate that you may qualify for:

1. Compare at least 3 different auto insurance companies offers side by side. You might be surprised at the drastic differences in rates from company to company – often because they evaluate risk quite differently.

2. Take advantage of any discounts that you may qualify for. Good student programs, senior citizen programs, and multiple lines of insurance (usually homeowners insurance and auto insurance) are all examples of programs that can often use to get a lower auto insurance rate.

3. Request online auto insurance quotes from an independent quote shopping service. It is nice that many auto insurance companies are starting to show other companies rates along with their own rates to better educate consumers. One step better than that though is to use an independent quote shopping service that will show you rate quotes from many different auto insurance companies.

Keep in mind that company reputation, customer service, claims handling, coverage area and other important factors all should be a part of your decision and not just price alone. Do your research and get to work saving money on your car insurance now!



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