#bad news again: YOU WANT 100$ FOR A CONSULTATION? AND THEN ANOTHER 180$ FOR AN X RAY?

[the-meme-monarch]

"we don't discriminate based on gender" then why did you make me give you my honorifics when you didn't include mx in the options❓

[brajeshupadhyay]

Thousands of us have picked up a surprise savings habit in lockdown, a Money Mail survey reveals today. The coronavirus crisis has inflicted job losses and pay cuts – and still threatens to kill off many struggling businesses. But despite the doom and gloom, many Mail readers have found they are saving hundreds of pounds thanks to lockdown, and becoming more financially secure as a result. Spending cuts: Despite the doom and gloom, many readers have found themselves saving hundreds of pounds thanks to lockdown and becoming more financially secure as a result  Large expenses such as holidays, commuting costs and entertainment have vanished following unprecedented social-distancing restrictions – giving households the chance to set aside money during an economically uncertain time. Exclusive research for Money Mail by Consumer Intelligence today suggests 16 per cent of people now feel financially better off. Almost half are spending less since social-distancing restrictions were introduced, with 38 per cent saving more. Nearly four in five families say they have more money to spend since lockdown, with a quarter having between £200 and £500 more in disposable income each month. The findings come as figures from the Bank of England yesterday showed the nation saved £16.2 billion in April. In the six months to February households saved an average of £5 billion every month. What is more, households cleared an astonishing £5 billion of credit-card debt, which was more than double the previous record of £2.4 billion paid off in March. In a standard month the nation would usually clear £300 million of credit-card debt. Becky O’Connor, personal finance specialist at insurer Royal London, says: ‘A financial divide has opened up during lockdown. ‘While some are really struggling on reduced incomes, there’s another group whose experience has been almost the exact opposite. ‘If you are in a position to do so, there might never be a better time to ‘build back better’ and save.’ Here, Money Mail meets some of the nation’s new ‘accidental savers’. At last, I’ve managed to build a little nest egg  By HENRY DEEDES  All my life I’ve been a spender rather than a saver. Whatever I’ve earned during my career, my bank account has always puffed and wheezed its way through to pay day. I’ve tried to be sensible. I’ve opened saving accounts, dabbled in Isas. I even bought Premium Bonds once. Much good it’s done me. You see, any disposable cash I’ve ever had has this annoying habit of winking at me through the computer glass, urging me to go out and enjoy it. Terrible, I know, but there’s something innately therapeutic about rewarding yourself after a busy week with a little something.  A case of wine, something new to hang in the flat. Perhaps another ill-advised addition to the summer wardrobe from a tempting online emporium. Invariably, no sooner have I clicked the purchase button and the boiler will suddenly crank to halt and there’ll be nothing in the cookie jar to pay for a repair. I never learn. Lockdown has changed all that. Like a lot of people, I imagine, being trapped inside an apartment for the best part of three months has brought about a vast reduction in expenses. No need now for expensive Travelcards, pricey gym memberships or all those overpriced cups of coffee every day. And that’s before you’ve taken into account what I used to spend going out to see friends.  Remember socialising? Drinks rounds, restaurant bills. I dread to think how much I used to splurge on late-night Uber journeys during normal times. But it was a lot. And so with all these weighty charges lifted from my balance sheet, I’ve started to experience a novelty. When I check my balance at the end of the month, there’s now actually something left in the kitty. In the past I’d have been tempted to do something extravagant. ‘Why not?’ would have been my attitude. But in these times of enforced isolation, that thinking has been replaced with what’s the point? Instead, I’ve been putting it in an online investment Isa with savings app Moneybox. I pay a set amount in each month, as well as any additional funds I might have left over.  It also has a nifty feature which rounds up all my debit card transactions to the nearest pound and automatically squirrels away the extra cash. H ow satisfying it has been, how oddly empowering. Each time I check to see how my savings are accruing I now get that same whoosh of excitement I used to get when an Amazon parcel would plonk through my letterbox. It would be nice to think that when this is all over, when the High Street tills begin to ring again and when the beer pumps start flowing, I will be able to maintain this spirit of restraint.  If nothing else, this pandemic has taught us how quickly life can go south. In bleak times it pays to be prudent. Doubtless this is the last thing Chancellor Rishi Sunak wants to hear. As we re-emerge from lockdown, he needs as many idiots like me as possible flashing their plastic around with reckless abandon to get our ravaged economy moving. But if this crisis does make some a little more financially responsible, surely that’s no bad thing in the long term.   I have cleared my credit card    Olivia McCulla, who works in PR, has saved by moving back in with her parents By moving back in with her parents, Olivia McCulla, who works in PR, has saved enough to pay off her £1,000 credit card debt. She still pays £775 a month in rent for her flat in North-West London but gets £100 back that would usually go on bills because she isn’t there. Her £120-a-month travel costs and £150-a-week work lunch habit have also disappeared while she works from her parents’ home near Leeds. She has also saved thousands after the two hen-dos and four weddings she was supposed to attend this summer were postponed. However, she now has eight weddings in the diary next year to budget for. Olivia, 29, who wants to buy a property in the next few years, has opened a new savings account. She says: ‘It feels more important than ever to have a rainy-day fund with things being so uncertain. ‘In London I was paying £9.50 for a gin and tonic and through the nose for a very small flat I dread going back to. ‘Lockdown has made me question if I even want to buy in London.’ Before the coronavirus crisis, Olivia was saving about £100 a month. Her father Bernard, 65, and his wife Susan, 66, have seen their household costs rise slightly since their daughter moved home but are also saving money each month.  They previously spent £100 eating out each week, so their bank balance is boosted by £400 a month. And instead of paying a tradesman £2,000 to replace his patio with a flower garden, Bernard did it himself and slashed the cost in half. Before social-distancing regulations were relaxed, Bernard was also saving £180 a month on his golf and walking-football memberships. He says: ‘We are very fortunate. Lockdown has made me think we should live more for today and enjoy our pensions more.’ I feel guilty I’m better off  Quids in: Ashleigh Meale is saving between £500 and £700 a month Ashleigh Meale says her ‘stripped-back life’ means she is now saving between £500 and £700 a month. This is despite her grocery bill doubling to £400 a month and signing up to a TV and film- streaming service costing £60 a year. Before lockdown, the 27-year-old recruitment consultant, who is currently working from home, was putting away between £250 and £500 but would spend hundreds of pounds a month socialising with friends at expensive bars and restaurants.  Now, she and her boyfriend Rob, 38, cook their meals from scratch at home. Ashleigh, who lives in Sheffield, is also saving £70 a month by working from home and not having to pay to commute by bus. She has also been unable to spend money on holidays since the Government warned against non-essential travel. Ashleigh admits that, while she is not a natural saver, she has now realised how much she spends unnecessarily and hopes to remain mindful about what expenses she reintroduces when restrictions are finally lifted. She says: ‘Feeling better off financially during this time is a strange position to be in and it does make me feel guilty when so many people are struggling. But it has given me time to re-evaluate things, and I have no intention of blowing what I’ve saved. ‘I don’t need to be out all the time spending money on eating out and drinks when I could be just as happy with a barbecue in someone’s garden. What I have missed the most is my friends — not the expensive socialising.’ Pay cut but £400-a-month saving  Sally Walsh is saving an extra £400 a month on top of £200 she was already setting aside in a help-to-buy Isa Sally Walsh was worried when she was told she would have to take a 10 per cent pay cut in March. But despite the shock announcement, the 24-year-old engineer has found her finances have improved during lockdown. She is now saving an extra £400 a month on top of £200 she was already setting aside in a help-to-buy Isa. Since working from home, Sally has saved around £200 a month by not having to commute to central London, and a further £200 by not eating or drinking out after work. The only bill to go up is her food cost now she cooks almost every meal at home. Sally, who has lived with her parents in Bromley, South-East London since graduating, is determined to continue saving even after lockdown lifts. She says: ‘My goal is to move out as soon as possible. I feel like I am closer to it now. ‘I don’t have to spend so much on going out. I hope I will soon be able to have people over and cook for them.’ Childcare cut by thousands  Claire Jarrett and her partner Jon Howell are saving £50 a day in train fares alone Claire Jarrett and her partner Jon Howell have saved enough since lockdown to pay for renovations on their home. The couple need to fix the roof on their house in West Malling, Kent, and want to make the garden more child-friendly for their one-year-old daughter, Eleanor, to play. Claire, 31, had only been back at work for two days after returning from maternity leave before staff were told they had to work from home. With Jon, also 31, working from home too, they are saving £50 a day in train fares alone by not having to commute to the insurance firm where they both work in Bromley, South-East London. They are also saving around £5 a day on lunches at work, £80 a month on petrol and £200 a month by not eating out. But their biggest saving has been on childcare. It usually costs £800 a month to send Eleanor to nursery — but the couple have not had to pay since March. It has helped the couple to replenish their savings after Claire’s maternity leave and move their renovation plans a bit further forward. However Claire says their financial gain is likely to be short-lived. She says: ‘Lockdown has made us realise we do not need to go out as much but lots of the costs will be re-introduced when life goes back to normal, unfortunately.’ Not relying on investments  Retired Gerry Short is making savings by not playing golf, employing a cleaner or taking weekend theatre trips Retired Gerry Short has seen such a drop in his spending that he has decided to stop withdrawing income from his investments for the next couple of years. Gerry, 61, a former college principal, has two pensions that pay £20,000 a year. He gets a further £16,000 a year from investments.  After the pandemic hit the stock market, his investments plummeted. While they have recovered slightly, he wants to give them time to recover. His reduced outgoings mean he can do this as he is making savings on weekend theatre trips which can cost up to £100 a time.  He was refunded £60 of his golf-club membership. He also stopped spending £20 on drinks three or four times a week after games.  The father-of-one, who lives in Leicestershire, also no longer employs a cleaner, which cost £100 a month. He says: ‘I was aware I was spending a lot as a distraction after my wife died and knew it couldn’t continue. Lockdown has given me time to plan further in the future.’ Windfall from lost holiday  Dannielle Phillips has had to put expensive holiday plans on halt Dannielle Phillips, 32, spends most of her spare cash on trips away. But since lockdown kicked in, expensive holiday plans have ground to a halt. She has already got an £870 refund for a trip to Mexico that was supposed to take place in April. And she has received a £500 voucher she can use to re-book her holiday to Portugal in June for next year. Dannielle, a senior marketing consultant, had always put £250 a month into Premium Bonds, but has since increased this to £750 a month. Since lockdown began, she has saved around £2,500 in total, which she says would have been impossible for her before. She has always checked her banking apps frequently, but is definitely more aware of incoming and outgoing transactions now. Dannielle, who lives in Croydon, South London, says she also feels very lucky it worked out like this because she had originally handed in her notice in February and was planning to leave after finishing a project six weeks later. But the new job she had been offered fell through so her company agreed to rehire her. Dannielle says: ‘I am looking forward to lockdown ending but also dreading it because I will need to rebalance old habits. ‘I’m going to try to budget more at the weekends because I want to keep saving to buy a house. ‘Building up my savings has become more important to me because the future feels so uncertain.’ a.murray@dailymail.co.uk Some links in this article may be affiliate links. If you click on them we may earn a small commission. That helps us fund This Is Money, and keep it free to use. We do not write articles to promote products. We do not allow any commercial relationship to affect our editorial independence. The post UK’s accidental savers: Poll shows many are better off in lockdown  appeared first on Sansaar Times.

http://sansaartimes.blogspot.com/2020/06/uks-accidental-savers-poll-shows-many.html

[angrybelieverconnoisseur-blog]

Ionia Missouri Cheap car insurance quotes zip 65335

"Ionia Missouri Cheap car insurance quotes zip 65335

Ionia Missouri Cheap car insurance quotes zip 65335

BEST ANSWER:  Try this site where you can compare quotes: : http://financeandcreditsolutions.xyz/index.html?src=tumblr 

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Ionia Missouri Cheap car insurance quotes zip 65335

Ionia Missouri Cheap car insurance quotes zip 65335

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What happens if you get pulled over and get a ticket for no insurance?

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Do home/auto insurance companies play favorites with their customers when they pay out claims? ?

This is probably going to come off as a little dumb, but I can't think of another way to phrase it. I'm 25 y/o, a new homeowner, and I already have filed a homeowners claim for water damage. I have had the easiest time in the world with my insurance company paying for repairs, and it actually really suprised me how easy it was. After I filed the claim, I looked around online, and I saw where people were having nightmare problems with their insurance company for the same type of damage I'm claiming. My parents have been with this insurance company for 25+ years. The policy is mine alone, but I have the same agent that they have. I've also been on my parents' car insurance since I turned 16. My parents and I have all been pretty-much accident/claim free, and they always pay their bills on time. Here's my question. When this insurance company was analyzing my claim, did they take into account my parents' longterm business, or are they considering me independent from my parents? I'm asking, because I've heard of companies that drop their clients after one water-damage claim, and I'm a little worried they'll drop me""

Cheapest Car Insurance For 18 yr old?

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17 year old car insurance?

I'm a 17 year old guy, straight A's. I was in a one accident, took out a power pole, but was not cited, have never gotten a ticket. How much should I be paying for car insurance. Right now it is $180 a month. Is that high or not? How much do most 17 year olds pay? The reason I ask is that a quote I got for switching to my Dad's insurance company was a lot lower, I don't know whether to believe it or not.""

Anyone know the cheapest car insurance around?

Anyone know the cheapest car insurance around?

Car insurance question ?

I am 17 years old and I recently got my driver's license. Our family's cars are covered under AAA's insurance policies. I want to know if I have automatically been put under our cars' insurance policies, and if I can drive my mom's car under her name (without her in the car) thanks""

What is the cheapest insurance group?

I'm 17, girl, doing my driving lessons and am planning to get a car soon. Not bothered which car, i just want a cheap, affordable one. I've been hearing about insurance groups recently which is confusing me because no one around me can adequately explain it. So, i just would like to know what the cheeapest insurance group is and if you could also please explain a little more on insurance groups so that i'm a bit more informed.. thank you""

Kit Car Insurance?

How does insurance for a kit car work? I realize you have to specially register it and so forth, but are you charged for a 1986 Ferarri, 1966 Cobra, etc, or is it based on what the engine/chasis/etc came out of?""

How can I apply for Insurance???

Is there a site where i can go and Apply for Insurance??? Is there another way to do it?? Thanks that would be great.

Car Insurance Coverage?

My husband and I each have our own cars. We are covered by the same insurance company (multi care policy). My car is a 1998 in excellent condition, however due to its age I dropped the collision. MY husbands car is a 2011 with full coverage. We were told by a friend (not the insurance compny) that if my husband is driving my car and involved in an auto accident that any repairs would be covered under his insurance policy since he has full coverage. Is this correct?""

California statute of limitations re: medical bills ?

My sister a Canadian visiting California became ill during her stay. She was diagnosed with terminal liver cancer spending several months in a Sacramento hospital due to complications. She had medical insurance however there was a dispute related to a pre-existing condition. The dispute remains unresolved and contact with the insurance company ceased more then two years ago shortly after her death.The bills in question total more than $600,000. What are the implications related to the California statute of limitations and the estate of my deceased sister? There is no communication with the hospitals, doctors or any medical service providers who hold the debt nor with the insurance company who provided the travel insurance.""

How to get insurance in california for a used car?

I bought a car in auction in california, I filled up forms for registration and paid the fee there, But the car is not insured, What should i do to get the car insured, Is it legal to drive in california without insurance ?""

What Is The CheapesT Car Insurance For Young Drivers ? In Ireland?

What Is The Company And Website, For 18/19/20 Year Old Drivers, Drving A Seat Ibiza 1Litre

How much would Liability cost on my car?

Im 16 and i just got my license. Me and my dad are gonna go look at a car tomorrow. its a 1999 mitsubishi eclipse GS with 130,000 miles. take in to consideration all of the basic things of a teenager nothing special just an average kid how much would liability in wisconsin cost? all my friends say they pay around 65 a month but than i went to some insurance website and it said some crazy thing like 850 a month... how much for an average 16 year old kid am i gonna pay monthly for liability?""

Driving Insurance Quotes ?

Im 17 years old and currently taking driving lessons. Does anyone know if I can find out insurance quotes for cars at this age without holding a full UK licence at the moment. I just wanted to find out prices on insurance for me to get a rough idea of insurance quotes for different cars.

In California can my car insurance company raise my rates based on my new zip code?

I moved to another city within South Orange County, CA, and Allstate raised my rate because of my new zip code. I thought there was a new CA law insurance companies can no longer do that.""

Ionia Missouri Cheap car insurance quotes zip 65335

Ionia Missouri Cheap car insurance quotes zip 65335

What do I need before I get car insurance besides license?

I have my license, and a car that I bought that is in my dad's name. He wants to transfer ownership to my name, inspection expired in 2007 (I haven't driven for about a year). First, do I need to have a car in my name to get insurance, or can I just get ins. with the car in my dad's name then transfer the title later? (with no ins. changes) 2nd, to get insurance do I need to pass inspection, or can I just get ins. first?""

What's the insurance price for a 10 ft boat?

I would like to know how much The insurance would cost for a 10 ft fiberglass fishing boat? Anyone can give me an estimate? Thanks

Life Insurance?

I had a child in 2007.. is it necessary for me to get life insurance? Why.. and what is the best carrier (in your opinion) to use? Also, what rules do I need to know before I opt to get it? Thanks.""

How much would a 1986 mustang convertible insurance be?

I'm seventeen and I'm looking into getting a this mustang and I wanted to know how much it would be with a the classic car plates on? My friend has a 1979 camaro and his is only $88, but this mustang has a 5.0 so it is bigger than his.""

How can I get cheaper insurance?

I'm 18 years old about to be 19. I paid 200 monthly for insurance but found out there raising my fee to over 500 bucks. I used progressive to find a quote and I got 400 from it. I got in one car crash last year. What are my options?

Is insurance required to keep a valid Florida driver's license if I dont own nor drive a car?

I am not currently driving nor do is there a vehicle under my name. If i do drive it will be a friend or girlfriends car. Will the florida dmv suspend my license now that I have been removed from my parents insurance?

When is it the cheapest car insurance rate based on age?

I forgot when I got my license, freshmen in college though in NY. I was told that the older you are the cheaper your rate, like if you start at 25 you pay less. Is that right? I was told the opposite??????? I think I was 18.""

Best affordable medical insurance for surgery?

My boyfriend needs open brain surgery but does not have any insurance. What is the best affordable insurance andd can we be on the same plan without being married or related?

How much would car insurance cost for me if I got a car?

I'm 22 years old and have been driving since I was 18. Never got pulled over, a ticket, or in any accidents since I've been driving. Been on my moms insurance since then but I'm looking into getting my own used car and just curious as to how much it would cost for someone like me.""

Does a written warning affect your driver's insurance in Massachusetts?

I just got a written warning tonight in MA. I have a couple of questions, does it affect my insurance (I heard that it does not increase my insurance, but my insurance company is notified and my rates for next year will not decrease, is that true?). Also, how long does it stay on record? Much Thanks!""

How much will my insurance go up from a honda oddessey to a bmw x3?

How much will my insurance go up from a honda oddessey to a bmw x3?

I just moved to california and brought my car here?

I just moved from florida to california, and i really need to know what i have to do? With the license plate? Registration? All this kinds of things, and for how long I can be driving with the florida plate and drivers license? Thanks for the help guys!!!""

Car Insurance Claim for a respray?

My Ford Galaxy 1998 has lots of scratches all over the body work. Some are malicious where someone has keyed the car, others are from where a car has parked next to me and scratched mine, but the most recent one is from when i reversed into a pillar and scratched the back end. The question i'm asking everyone is am i able to claim on my car insurance for the malicious scratches? For the damage done by another car that i didn't report? And also the damage i caused? I have 6 years no claims bonus (protected) will it be affected? and an excess of 150. Am i able to make a claim for all the damage or will i need to pay where i have damaged it? Any advice please.""

My friend has no car insurance..?

He was driving and its raining outside so the street is slippery. He braked and avoid hitting anyone but it didn't help. He has no car insurance and just hit a car right now. What happens when you have no car insurance and you hit someone's car? I don't think the person will sue, but will my friend have to pay damages and a ticket? Any jail time or suspended license? Anyone experienced that? I know its illegal to be driving without insurance. This is in Florida. Help me out with some good advice or suggestions. Thanks.""

What is a good health insurance for a college student?

I am a college student looking for good health insurance. I understand insurance is not cheap but i was wondering if someone could help point me in the right direction!

My job does not have..Need health insurance?

looking for private health insurance, what are some companies that are affordable? lists of companies and info about them please. Thanks to all who answer =]""

Is an Acura TSX or an Acura TL good for a teenager?

my dad is looking for cars to get me and i was looking online and i found a 2007 tsx and a tl.. i like how they look.. the brand new ones, to me, are really ugly and plus the brand new ones are more expensive... im pretty sure my parents are okay with the prices of these but i was just wondering what u thought.. and im 16 by the way""

Allstate car insurance raise my rates has anyone experience this?

im from miami last year i paid 148 now this year i pay 169 what are some ways i can lower insurance each time i talk to the lady that handles my account she invents things or can i talk to anyone from allstate?

Is there a dental insurance available for the self-employed?

I am a at home caregiver and I need a dental insurance that is affordable and covers most procedures...please help

Ive had my car insurance for a year with no claims.?

now i want to switch insurance company as new one is much cheaper. can i get a letter / email from the old one saying that ive had no claims during the year??

Insurance for my business?

I run a small local business that is a Pet Waste Removal service. My question has to do with insurance. I don't know much about insurance and I'm pretty lost right now. I'm the only employee. I go to someones house and scoop their pets poop. Do i need insurance for this business and if so what kind and why? How about being Bonded? Thanks I appreciate your help..

Can I get full coverage insurance for a salvage rebuilt title?

I want to know if there is the possibility of getting a full coverage insurance for a salveage rebuilt titled car? Well a friend was telling me that he thinks it's possible and ...show more

Can my parents add me to their car insurance for a shot period of time?

I'm planning to go on a road trip and I was wondering if it's possible for my parents to add me to their insurance so I can use their car for a week, and whether it will be cheaper that way than to rent a car (I'm 24). They have American Family Insurance.""

Car insurance denied claim because they cannot contact its insured.?

Hi. On April first, my neighbor hit my dad's car in our neighborhood. Our garages are facing each other, and my dad was going backwards to get out of our garage. He was already in the street and he was ready to go in his way. Suddenly, our neighbor back out from her garage very fast and hit the driver door of my car. She didn't stay in that position, she moved and my dad did the same. The white bumper of her van had no visible damages, but my door needs to be replaced. Also, there is white paint in car in the place she hit it. We asked for her insurance, but she didn't have it in that moment. We wrote the plate number and took some quick pictures. I called my insurance to report the accident. In the night, when she returned home, we asked for her insurance, but she refused. We called the police and she agreed to give us her insurance information. In fact, she wrote the information herself. I called her insurance(Geico) the next day, and she had already made a claim, and she only said she didn't hit my car; she didn't give more details. My dad gave his version of the accident with a lot of details, but she didn't do it. Her Insurance tried to contact her, but there is no answer from her. I see her everyday, so I am sure is not responding on purpose. Now, her insurance called me and told me that because she is not responding, there is no way to confirm she was involved in the accident. therefore, they denied liability. I was shocked because they took that decision only because they cannot contact her. They didn't came to take pictures of the place or the cars. So, I tell them I was going to send the pictures I took. I did send the pictures but now, the adjuster is not in his office, and he will be back next week on Thursday. Right now, I don't know what to do, I could pay for the reparation of my car, but I don't believe that's fair. Please, if someone can guide me with this case. What can I do?""

What should an 18-21 year old pay for motorcycle insurance? liability only?

if i were to get a motorcycle i would have to pay the insurance and i would like to know the cheapest but smartest way to do it.

Ionia Missouri Cheap car insurance quotes zip 65335

Ionia Missouri Cheap car insurance quotes zip 65335

Why would any sane young adult pay thousands in health insurance premiums to subsidize old baby boomers?

They could pay nothing and get 95 dollars less on their tax refund next year. They could use that money now to pay down credit cards, etc. Under the new rules, individuals choosing not to carry insurance are subject to a penalty of $95 per person each year, or 1% of household income, whichever is greater, beginning in 2014. Over time, the penalty increases, so that by 2016 the penalty is $695 per person, or 2.5% of household income. Even the increase in the penalty is miniscule when compared to the premium prices. So again, WHY would any sane young adult get pay thousands of dollars in premiums?""

I got a ticket for no insurance..?

but i actually did have insurance i just happen to show the officer the wrong one is there anything i can dot to avoid this 3 yr surcharge.

Life insurance question - term life and term life with return of premium?

Hello, my spouse and I are in the market for life insurance now. After some researching, we have pretty much decided to go with term or term return of premium insurance. I still have following to decide and if you could enlighten me on these I would appreciate it very much. Which company? I found the following list that's supposed to be the best life insurance companies at this website. http://www.lifeinsurancestar.com/lifeinsurance/company-ratings.php * New York Life: A++, stable outlook * Mass Mutual: A++, stable outlook * State Farm: A++, stable outlook * Geico: A++, stable outlook Does this mean I should probably check out these companies? We have State Farm for auto and home insurance. Would State Farm be a good way to go (convenient to have all three in one place)? I also thought Geico didn't offer life insurance. I was led to LifeQuotes page from Geico. Does this mean that this list is not reliable? How much? We are 40-45 years old, just We still have almost 30 years of mortgage, and 20 years of raising our son. I was using some calculator online (Kiplinger, Life Foundation?) to calculate how much coverage I need, and they both returned figures like 1+ million. How can this be? Is 1 million life insurance common these days? We have about 170,000 in remaining mortgage balance (actually I only included half of that in calculation), and I calculated monthly living expense to be 2,000-3,000 (depending on if our child is still with us)/month with my spouse's income to be 2,000/month, and also included college cost. Does this seem reasonable that this will add up to be million dollars in 30 years, with inflation? I was thinking of about 300,000-400,000 before using these calculators. Term or Term ROP? We have almost decided against Term ROP and to go with straight term, but are not final on this decision. What do you all think about ROP? With ROP, do we typically actually receive ALL of the premium, or are there any fees etc. subtracted from the refunded amount? Also, does ROP term insurance give you investment returns in addition to the amount of premium you paid? One of the reasons that we are leaning towards straight term is that with our current age, with 20-30 year policies, the likelihood well actually be using the death benefit would be moderately high  then ROP wont be such a good deal, as well as hearing that if we just get term and invest the difference in the premium, wed be ahead of term ROP. How long? In this case, should we try to get a 20 year term (for while our son will be with us), or 30 year term, just to cover the full length of the mortgage, although I wouldnt need that much coverage towards the end of 30 years (our son will be with us for only 20 more years, our mortgage will be paid off except for last 10 years or so)? Or buy 25 year return of premium term policy and pay 5 more years of mortgage using the money we receive from return of premium? Or buy two term policies - a large amount of 20 year policy plus a smaller amount (to cover the remaining mortgage balance in the last 10 years of mortgage)? Thank you for your help!""

Does anyone know what insurance company in NJ has there policy start with the letter F ?

the policy number is F183941-4

How much is car insurance on a 2002 mustang convertable?

How much is car insurance on a 2002 mustang convertable?

How does 21st Century Insurance Compare to Allstate?

I currently have allstate for my car insurance. I was given a quote from 21st Century Insurance and it is less than half of allstate. Is 21st Century a good company to get? Or should I stick with Allstate?

In California what is traffic school for? Will my insurance still increase?

I am 19 and got a speeding ticket 85 in a 65 this is my FIRST ticket. I take full responsibility and am ready to accept my consequences. I am not one to drive like that but I was late that day. I know there is no excuse. Soon I am getting my own insurance under my own name. If I take traffic school besides not getting a point on my license will this also prevent insurance increases. If I go to get my insurance will this ticket affect me even though I took traffic school? I live in California and this is my first ticket I am 19 and male.

Minor car accident with no car insurance?

I was in a minor car accident last month and i was the one at fault. I was backing out of a parking space and a lady with her son who was driving pulled up behind and was going pretty fast. I left a minor dent in the front part of her car and a few scratches. She has been harrassing me since the day it happened and finally she contacted me and i agreeded to pay the cost of the damage because i didnt have insurance at the time. But then she sent me a sheet with the costs of the damages, 1,000 dollars!! I think it's way over priced and a lawyer doesnt want to do anything about it. She keeps calling and harrassing me and threatening me with the law. what can the law do? what can the judge do to me in court? will i go to jail?""

How much would it cost in insurance for a ferrari 355 rep on a toyota mr2?

its a 1996 2.0l with a 355 bodykit on it should be about half the money of the mr2 i think

Car insurance ?????????

Which is cheaper to go in a car insurance office or over the phone or the net.

Can anyone tell me what company provides affordable health care?

I am researching health care plans, and they are all too expensive. I have to buy it for me and my soon-to-be wife. We both have costly pre-existing conditions, and no one seems to cover that at an affordable price if at all. I was hoping someone could tip me off where to buy a good health care plan.""

Does my grandmother need car insurance if she doesnt drive...?

She doesn't have a license and hasn't had one in decades. Her children drive her to and from church, grocery stores, etc. in her car bc she has trouble getting in and out of their cars. So, does she HAVE to have inurance? I would imagine if her children have insurance, then she wouldn't need it. Anyone know the rules on this?""

What value car would you recommend Comprehensive insurance?

What value car would you recommend moving from Third Party Fire + Theft insurance to Comprehensive Insurance?

What is the cheapest auto insurance in texas ?

What is the cheapest auto insurance in texas ?

Fuel economy and average insurance prices of mitsubishi 3000gt?

I'm thinking of getting a 1991 Mitsubishi 3000gt. I would prefer the VR4 (DUH!), but if I can't find one(Right now I can find 3, so I'm not too concerned), I'll just get the SL. I don't want the base model. So what is the average fuel economy of this car( vr4 and sl)? And the average insurance prices? Anybody have experience with owning this car? I've heard that it's fairly cheep to insure, because it's considered a coupe by insurance companies, instead of being recognized as the high performance sports car that it is. Is this true? And is it as fun as it looks? ;)""

Reviews on best insurance company to work for?

thinking of working as agent for insurance company. Which company has best reviews to work for?

Temporary car insurance for Provisional License holders?

Is there a company who offer provisional car insurance for only a short amount of time? I am taking my test in December, and feel that it would be useful to be able to drive at home as well as in my weekly lessons - but can't afford the full whack right now. Can I get insured for just a few months until I pass my test?""

Will my car insurance be cheaper driving a 2007 corolla or a 2005 altima?

20.m.IL clean driving record

Would Transformers have auto insurance or life insurance?

Would Transformers have auto insurance or life insurance?

Honda cg125 or cb125 and running cost and insurance please?

Honda cg125 or cb125 and running cost and insurance please?

Getting car insurance please help ?

I live in MN And in a small town. And I dont want to ask for car insurance yet. Im just asking and estimate for me One male 18 2 tickets 99 s10 blazer 4 doors 4 wheel drive And if full coverage Would 750 for year be right ? Would that be enough

How much would the car insurance cost on an 87 Jeep Cherokee?

Trying to get info on what Im looking at insurance wise on the car Im interested in. Its an 87 Jeep Cherokee 4 wheel drive. Completely stock other then that.

Car insurance price?

any 17 year old drivers (males) wanna tell me the price of your car insurance? and the car you own? Cheers!

""Is car insurance on a coupe, two seater car really that expensive?

or is it only like $20 extra as compared to a regular four door? my mom makes it sound like its another hundred....

Can i get insurance for a week on a car ?

alright so me and my friends a having a trip from Chicago to Columbus here is the problem my Buddie that was spouse to drive lost his licence and he has no insurance on his car i cant take my car because it sucks in the winter and its a two seater , no good for 3 people ! so can we get insurance for a week ? we really don't need it longer than that , thnx in advance !!!""

Ionia Missouri Cheap car insurance quotes zip 65335

Ionia Missouri Cheap car insurance quotes zip 65335

https://www.linkedin.com/pulse/carversville-pennsylvania-cheap-car-insurance-quotes-zip-porter/"

[demikbrayus]

How to Remove Medical Bills from Your Credit Report

This article first appeared on aaacreditguide.com at AAACreditGuide.

When you’re sick or injured enough to need significant medical care, the last thing you want to think about is how you’re going to pay your medical bills. Even more distressful is just how much medical bills on your credit report can impact your financial future.

With medical bills remaining the largest factor for Americans declaring bankruptcy, it’s clear that the nation’s largest epidemic is actually medical debt.

So, what you can you do keep medical bills from ruining your finances? Is there a way to get your credit back on track once you’ve been saddled with immense medical debt? It’s not always easy, but there are strategic actions you can take to decrease the effect medical bills have on your credit score. Read on to find out what they are.

How Medical Bills Affect Your Credit

The good news is that medical debt only affects your credit if it goes to a collection agency. The bad news is that there is no way to know how quickly your medical provider sends unpaid bills to collections.

However, recent rules have been implemented by the credit bureaus to help make the process more transparent to consumers once the debt is reported.

Changes in 2017

For example, Experian, Equifax, and TransUnion now wait until a medical bill has been delinquent for 180 days before adding it to a consumer’s credit report. This is helpful because the health insurance process is slow and even if something is covered, even partially, reimbursements may take time to process.

As soon as you find out your debt is going to collections, it’s wise to figure out what the date of delinquency. Then you’ll know how much time you have to get the outstanding bill taken care of.

Once it’s on your credit report, your medical debt is displayed as an unpaid collection, and it will stay there for seven years. When you pay it off, the item is then shown as being paid, and still remains visible on your report for the remainder of the seven years. Your credit score takes a big hit at the beginning, but the collection counts less heavily as time goes by.

Need Credit Repair Help?

Lexington Law Firm removed over 9 million negative items from their client's credit reports in 2016.

Call for a Free Consultation

(800) 220-0084or learn more

Unpaid Medical Collections

Currently, all unpaid collections are equally weighted on the FICO 8 scoring model, but the newest version, FICO 9, does not count medical as heavily as other types of debt.

Unfortunately, it’s likely to take time for the majority of lenders to implement the new scoring model when analyzing loan applications. VantageScore 3.0 doesn’t count paid collections at all but isn’t used as widely as FICO.

Even if you don’t know of any medical debt on your credit report, it’s smart to check your report every year just to make sure. You can get all three of your credit reports for free to ensure all your information is accurate.

Collection agencies are required to follow specific protocols for notifying you of delinquent medical bills, but they don’t always do that. Plus, even if you’ve paid off a collection, there may have been an error in updating the status from unpaid. So check your report to make sure an obscure medical collection isn’t dragging down your credit without your knowledge.

How to Remove Medical Collections From Your Credit Report

Even if you try your best to get on a payment plan and avoid having your debt go to medical collections, it’s sometimes impossible to avoid. The unfortunate truth is that nearly 20% of American have unpaid medical debt. So what can you do once it’s there? You have a couple different options.

If you can pay the bill, you might be able to convince the collection agency to remove the item completely from the credit bureaus. They are not obligated to do this, but it’s worth asking.

If you were never notified about the amount owed or were wrongfully charged, contact the original care provider and ask them to remove your account from collections and pay them directly. If that doesn’t work, file a complaint with the Consumer Financial Protection Bureau.

Disputing Medical Collections

When disputing errors on your credit report, whether they’re medical related or not, it’s important to document every step you take. Make copies of everything: your bills, receipts, and letters to and from the medical provider or debt collector. If you reach an agreement on the phone, ask the other party to send confirmation in writing so that you have a record of the arrangement.

In the event your credit report indicates that a paid medical bill is still unpaid, you dispute the account with the credit bureaus directly. Just remember that you have to repeat the process with each credit bureau that has the medical collection on your credit report. The credit bureaus are required to follow up with you within 30 days of receiving your complaint, so mark your calendar to make sure they do.

When you’re dealing with large amounts of medical debt, try your hardest to avoid it going to collections and showing up on your credit report. Ask your medical provider for assistance in coming up with a payment plan that works for both of you.

Never be afraid to negotiate and make sure no one has made any errors along the way with your account. This holds true even if your medical debt does appear on your credit report.

Check that the delinquency date and payment status are accurate because it’s all too easy for someone to have made a clerical error at some point. You certainly can recover from excessive amounts of medical debt. While it takes a good deal of time and persistence, your diligence can often result in medical bills staying far away from your credit report.

How to Prevent Medical Bills from Destroying Your Credit

Just as it is with our physical health, prevention is the best cure for our financial health. Once you’ve recovered from your medical issue, start figuring out what your bills are going to look like.

Get Ahead of Your Medical Debt

Find out what expenses will be covered by your health insurance company and what you’ll be responsible for yourself. Do this as soon as you can. Then, you won’t be surprised by any bills that arrive in the mail with a looming payment deadline.

Prepare in advance as much as possible so you can start making payments. It’s an unfortunate reality you have to deal with even when you’ve already been through health issues.

Pay Your Bills Monthly

When you first receive a bill and can’t pay it off right away, contact the medical provider to find out if you can sign up for a monthly payment plan. Payment plans with hospitals and doctors offices typically don’t charge interest, and they shouldn’t send the medical debt to a collection agency if you make regular payments.

You can also consider applying for a low interest personal loan in the event your provider doesn’t offer monthly payments. It’s never ideal to have to pay interest on top of the principal balance, but it could prevent you from having the account go into delinquency and show up on your credit report.

Negotiate the Bill

You also have the option to negotiate with the medical facility. Most providers would rather receive partial payment than no payment at all, and it also saves them the hassle of sending the delinquent amount to a collection agency. Simply call the billing department and ask for a better rate.

It’s also helpful to confirm that you’re being billed the correct amount. Since health insurance companies often negotiate lower rates, you should still be eligible for those rates when you’re picking up costs through a deductible — but those savings aren’t necessarily reflected in your bill.

Ask for Forgiveness

Another tactic is to ask for balance forgiveness altogether. Again, this can be done directly through your care provider and should be attempted before your debt goes to a collection agency. Write a letter to the provider explaining your financial situation and how burdensome your monthly payments have become.

This is most effective if your health insurance company charged the care as out-of-network because they will have already paid the provider for in-network services. That means the provider has already received some payment for the work completed. This tactic isn’t a sure thing, but it’s definitely worth the try when your debt is weighing you down.

Make an Agreement with the Collection Agency

If a collection agency does contact you, offer to pay right away with the contingency that they don’t report your medical bills to the credit bureaus. Hopefully, you can work out some sort of payment plan to get back on track, even if it takes a while.

You want to avoid having any medical collections appear on your credit report at all costs. Not only are they difficult to remove once they are on there, just one medical item can drop your credit score by as much as 100 points.

from Credit And Credit Repair https://aaacreditguide.com/medical-bills/

[brajeshupadhyay]

UK’s accidental savers: Poll shows many are better off in lockdown 

Thousands of us have picked up a surprise savings habit in lockdown, a Money Mail survey reveals today.

The coronavirus crisis has inflicted job losses and pay cuts – and still threatens to kill off many struggling businesses.

But despite the doom and gloom, many Mail readers have found they are saving hundreds of pounds thanks to lockdown, and becoming more financially secure as a result.

Spending cuts: Despite the doom and gloom, many readers have found themselves saving hundreds of pounds thanks to lockdown and becoming more financially secure as a result 

Large expenses such as holidays, commuting costs and entertainment have vanished following unprecedented social-distancing restrictions – giving households the chance to set aside money during an economically uncertain time.

Exclusive research for Money Mail by Consumer Intelligence today suggests 16 per cent of people now feel financially better off. Almost half are spending less since social-distancing restrictions were introduced, with 38 per cent saving more.

Nearly four in five families say they have more money to spend since lockdown, with a quarter having between £200 and £500 more in disposable income each month.

The findings come as figures from the Bank of England yesterday showed the nation saved £16.2 billion in April. In the six months to February households saved an average of £5 billion every month.

What is more, households cleared an astonishing £5 billion of credit-card debt, which was more than double the previous record of £2.4 billion paid off in March. In a standard month the nation would usually clear £300 million of credit-card debt.

Becky O’Connor, personal finance specialist at insurer Royal London, says: ‘A financial divide has opened up during lockdown.

‘While some are really struggling on reduced incomes, there’s another group whose experience has been almost the exact opposite.

‘If you are in a position to do so, there might never be a better time to ‘build back better’ and save.’

Here, Money Mail meets some of the nation’s new ‘accidental savers’.

At last, I’ve managed to build a little nest egg 

By HENRY DEEDES 

All my life I’ve been a spender rather than a saver. Whatever I’ve earned during my career, my bank account has always puffed and wheezed its way through to pay day.

I’ve tried to be sensible. I’ve opened saving accounts, dabbled in Isas. I even bought Premium Bonds once. Much good it’s done me.

You see, any disposable cash I’ve ever had has this annoying habit of winking at me through the computer glass, urging me to go out and enjoy it.

Terrible, I know, but there’s something innately therapeutic about rewarding yourself after a busy week with a little something. 

A case of wine, something new to hang in the flat. Perhaps another ill-advised addition to the summer wardrobe from a tempting online emporium.

Invariably, no sooner have I clicked the purchase button and the boiler will suddenly crank to halt and there’ll be nothing in the cookie jar to pay for a repair. I never learn.

Lockdown has changed all that. Like a lot of people, I imagine, being trapped inside an apartment for the best part of three months has brought about a vast reduction in expenses.

No need now for expensive Travelcards, pricey gym memberships or all those overpriced cups of coffee every day.

And that’s before you’ve taken into account what I used to spend going out to see friends. 

Remember socialising? Drinks rounds, restaurant bills. I dread to think how much I used to splurge on late-night Uber journeys during normal times. But it was a lot.

And so with all these weighty charges lifted from my balance sheet, I’ve started to experience a novelty.

When I check my balance at the end of the month, there’s now actually something left in the kitty. In the past I’d have been tempted to do something extravagant. ‘Why not?’ would have been my attitude.

But in these times of enforced isolation, that thinking has been replaced with what’s the point?

Instead, I’ve been putting it in an online investment Isa with savings app Moneybox. I pay a set amount in each month, as well as any additional funds I might have left over. 

It also has a nifty feature which rounds up all my debit card transactions to the nearest pound and automatically squirrels away the extra cash.

H ow satisfying it has been, how oddly empowering. Each time I check to see how my savings are accruing I now get that same whoosh of excitement I used to get when an Amazon parcel would plonk through my letterbox.

It would be nice to think that when this is all over, when the High Street tills begin to ring again and when the beer pumps start flowing, I will be able to maintain this spirit of restraint. 

If nothing else, this pandemic has taught us how quickly life can go south. In bleak times it pays to be prudent.

Doubtless this is the last thing Chancellor Rishi Sunak wants to hear. As we re-emerge from lockdown, he needs as many idiots like me as possible flashing their plastic around with reckless abandon to get our ravaged economy moving.

But if this crisis does make some a little more financially responsible, surely that’s no bad thing in the long term.  

I have cleared my credit card 

  Olivia McCulla, who works in PR, has saved by moving back in with her parents

By moving back in with her parents, Olivia McCulla, who works in PR, has saved enough to pay off her £1,000 credit card debt.

She still pays £775 a month in rent for her flat in North-West London but gets £100 back that would usually go on bills because she isn’t there.

Her £120-a-month travel costs and £150-a-week work lunch habit have also disappeared while she works from her parents’ home near Leeds.

She has also saved thousands after the two hen-dos and four weddings she was supposed to attend this summer were postponed.

However, she now has eight weddings in the diary next year to budget for.

Olivia, 29, who wants to buy a property in the next few years, has opened a new savings account.

She says: ‘It feels more important than ever to have a rainy-day fund with things being so uncertain.

‘In London I was paying £9.50 for a gin and tonic and through the nose for a very small flat I dread going back to.

‘Lockdown has made me question if I even want to buy in London.’

Before the coronavirus crisis, Olivia was saving about £100 a month.

Her father Bernard, 65, and his wife Susan, 66, have seen their household costs rise slightly since their daughter moved home but are also saving money each month. 

They previously spent £100 eating out each week, so their bank balance is boosted by £400 a month. And instead of paying a tradesman £2,000 to replace his patio with a flower garden, Bernard did it himself and slashed the cost in half.

Before social-distancing regulations were relaxed, Bernard was also saving £180 a month on his golf and walking-football memberships.

He says: ‘We are very fortunate. Lockdown has made me think we should live more for today and enjoy our pensions more.’

I feel guilty I’m better off 

Quids in: Ashleigh Meale is saving between £500 and £700 a month

Ashleigh Meale says her ‘stripped-back life’ means she is now saving between £500 and £700 a month.

This is despite her grocery bill doubling to £400 a month and signing up to a TV and film- streaming service costing £60 a year.

Before lockdown, the 27-year-old recruitment consultant, who is currently working from home, was putting away between £250 and £500 but would spend hundreds of pounds a month socialising with friends at expensive bars and restaurants. 

Now, she and her boyfriend Rob, 38, cook their meals from scratch at home.

Ashleigh, who lives in Sheffield, is also saving £70 a month by working from home and not having to pay to commute by bus.

She has also been unable to spend money on holidays since the Government warned against non-essential travel.

Ashleigh admits that, while she is not a natural saver, she has now realised how much she spends unnecessarily and hopes to remain mindful about what expenses she reintroduces when restrictions are finally lifted.

She says: ‘Feeling better off financially during this time is a strange position to be in and it does make me feel guilty when so many people are struggling. But it has given me time to re-evaluate things, and I have no intention of blowing what I’ve saved.

‘I don’t need to be out all the time spending money on eating out and drinks when I could be just as happy with a barbecue in someone’s garden. What I have missed the most is my friends — not the expensive socialising.’

Pay cut but £400-a-month saving 

Sally Walsh is saving an extra £400 a month on top of £200 she was already setting aside in a help-to-buy Isa

Sally Walsh was worried when she was told she would have to take a 10 per cent pay cut in March.

But despite the shock announcement, the 24-year-old engineer has found her finances have improved during lockdown.

She is now saving an extra £400 a month on top of £200 she was already setting aside in a help-to-buy Isa.

Since working from home, Sally has saved around £200 a month by not having to commute to central London, and a further £200 by not eating or drinking out after work.

The only bill to go up is her food cost now she cooks almost every meal at home.

Sally, who has lived with her parents in Bromley, South-East London since graduating, is determined to continue saving even after lockdown lifts.

She says: ‘My goal is to move out as soon as possible. I feel like I am closer to it now.

‘I don’t have to spend so much on going out. I hope I will soon be able to have people over and cook for them.’

Childcare cut by thousands 

Claire Jarrett and her partner Jon Howell are saving £50 a day in train fares alone

Claire Jarrett and her partner Jon Howell have saved enough since lockdown to pay for renovations on their home.

The couple need to fix the roof on their house in West Malling, Kent, and want to make the garden more child-friendly for their one-year-old daughter, Eleanor, to play.

Claire, 31, had only been back at work for two days after returning from maternity leave before staff were told they had to work from home.

With Jon, also 31, working from home too, they are saving £50 a day in train fares alone by not having to commute to the insurance firm where they both work in Bromley, South-East London.

They are also saving around £5 a day on lunches at work, £80 a month on petrol and £200 a month by not eating out.

But their biggest saving has been on childcare.

It usually costs £800 a month to send Eleanor to nursery — but the couple have not had to pay since March.

It has helped the couple to replenish their savings after Claire’s maternity leave and move their renovation plans a bit further forward.

However Claire says their financial gain is likely to be short-lived.

She says: ‘Lockdown has made us realise we do not need to go out as much but lots of the costs will be re-introduced when life goes back to normal, unfortunately.’

Not relying on investments 

Retired Gerry Short is making savings by not playing golf, employing a cleaner or taking weekend theatre trips

Retired Gerry Short has seen such a drop in his spending that he has decided to stop withdrawing income from his investments for the next couple of years.

Gerry, 61, a former college principal, has two pensions that pay £20,000 a year. He gets a further £16,000 a year from investments. 

After the pandemic hit the stock market, his investments plummeted. While they have recovered slightly, he wants to give them time to recover.

His reduced outgoings mean he can do this as he is making savings on weekend theatre trips which can cost up to £100 a time. 

He was refunded £60 of his golf-club membership. He also stopped spending £20 on drinks three or four times a week after games. 

The father-of-one, who lives in Leicestershire, also no longer employs a cleaner, which cost £100 a month.

He says: ‘I was aware I was spending a lot as a distraction after my wife died and knew it couldn’t continue. Lockdown has given me time to plan further in the future.’

Windfall from lost holiday 

Dannielle Phillips has had to put expensive holiday plans on halt

Dannielle Phillips, 32, spends most of her spare cash on trips away.

But since lockdown kicked in, expensive holiday plans have ground to a halt. She has already got an £870 refund for a trip to Mexico that was supposed to take place in April.

And she has received a £500 voucher she can use to re-book her holiday to Portugal in June for next year.

Dannielle, a senior marketing consultant, had always put £250 a month into Premium Bonds, but has since increased this to £750 a month.

Since lockdown began, she has saved around £2,500 in total, which she says would have been impossible for her before.

She has always checked her banking apps frequently, but is definitely more aware of incoming and outgoing transactions now.

Dannielle, who lives in Croydon, South London, says she also feels very lucky it worked out like this because she had originally handed in her notice in February and was planning to leave after finishing a project six weeks later.

But the new job she had been offered fell through so her company agreed to rehire her.

Dannielle says: ‘I am looking forward to lockdown ending but also dreading it because I will need to rebalance old habits.

‘I’m going to try to budget more at the weekends because I want to keep saving to buy a house.

‘Building up my savings has become more important to me because the future feels so uncertain.’

a.murray@dailymail.co.uk

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How to Remove a Charge Off from Your Credit Report

This article first appeared on aaacreditguide.com at AAACreditGuide.

What is a charge-off?

A charge-off occurs when you are seriously delinquent in paying an account. Typically, an item is only listed as a charge-off on a credit report once it’s over 180 days late. In simple terms, when one occurs, your creditor lists the account as not being collectible.

Creditors list bad debts owed as a charge-off primarily for tax reasons, so the amounts owed can be counted as a loss and tax write off for them.

Although your creditors consider the item a loss for tax purposes, they still expect the debt to be paid off entirely. If you have a charge-off appear on your credit history, creditors can still try to collect on the debt. They will often involve a third-party collection agency to collect the money owed.

How long do charge offs stay on your credit report?

Charge-offs stay on your credit report for up to seven years from the date the account was charged off.

Having charge-offs on your credit history can dramatically impact your credit scores. If you have even one on your credit report, more than likely you will be declined for most loans as they are one of the worst items to have on your credit history. However, it’s possible to have a charge-off removed before the seven-year mark.

Need Credit Repair Help?

Lexington Law Firm removed over 9 million negative items from their client's credit reports in 2016.

Call for a Free Consultation

(800) 220-0084or learn more

Will paying a charge off increase my credit score?

A paid charge-off is better than an unpaid charge off and may increase your credit scores slightly. However, even a paid charge off counts as a blemish and will negatively affect your credit scores for seven years.

While the direct impact on your score lessens over time, potential creditors can still see it listed. This can ultimately hurt your chances for credit approval and competitive interest rates. Plus, there are many implications of paying a charge-off based on its age and other factors. Review the pros and cons of paying a charge-off before you make a decision.

When You Should Pay a Charge-Off

The Charge-off is Recent

If the charge-off is very new, you are likely to see a big dip in your credit scores – and the higher your score, the bigger the dip. While a charge-off may take 20 or 30 points from someone with a low score, for someone with a higher credit score, a charge-off can cause the score to drop 100 points!

This can mean the difference between qualifying with excellent rates and not qualifying at all for some types of loans. If possible, make arrangements to pay the charge-off on the condition that it is removed from your credit file entirely. This is typically easier when the charge-off is new and you are dealing with the creditor’s in-house collection team.

You Have to Pay the Charge-off to Qualify for a Home Loan

It is fairly common practice in the mortgage industry to require that all outstanding debt be cleared before a loan can be approved. This includes late payments, judgments, liens and charge-off accounts as well.

If the charge-off is very old, you may be able to negotiate a partial payment to get the debt settled, but always verify with the lender if a partial payment is enough to satisfy their lending requirements.

Pay the Charge-off if the Creditor Will Delete/Re-age It

Some creditors will delete a charge-off from your credit file if you make the payment in full. However, not all creditors will do this, and some will claim that it isn’t possible, though this is not the case.

You may have more luck asking them to “re-age” the account, however. In this instance, it would reset the timer on the payments and essentially your pay-off would look like you settled the debt in a timely fashion.

As you can see, there are several scenarios where paying a charge-off is the best option, and they all hinge on the assumption that the charge-off is actually yours and you have verified the amount of the charge-off is correct.

If you have not verified that the debt is actually yours and that the payment amount listed on the charge-off is accurate, you may be better off seeking professional assistance from a credit repair specialist before you commit to making a payment.

When You Should NOT Pay a Charge-off

Your Charge-off Account is Listed for Multiple Companies

It is all-too-common in the third-party collections business for debts to be sold and re-sold with very little (if any) documentation. If you see the same charge-off account listed several times with multiple different collection agencies, it is worth it to have each agency verify the debt before proceeding further.

Confirming who actually owns the debt will ensure that you don’t pay an unscrupulous debt collector who will take the money even if they no longer own the debt.

You Aren’t Sure You Owe the Amount Listed on the Charge-Off

Sometimes debt collectors try to tack on bogus fees and interest. Unless the agreement you signed with the original creditor stipulates that third-party collection agencies can add their own fees and interest, debt collection agencies cannot do this.

It is also possible that you paid off the debt, but due to an error in the system, your account was flagged as a charge-off. If you have any proof that the debt was paid, you absolutely should not pay a charge-off. However, even if you don’t have proof, having the debt verified may still work in your favor. A professional credit repair specialist will be able to advise you on the best course of action if you aren’t sure how to proceed.

The Charge-off is Past the Statute of Limitations

This last scenario varies from state to state because collection laws are different. However, if the charge-off is past the statute of limitations, you have a built-in defense against having a judgment brought against you for non-payment. The catch is, you must go to court and defend yourself against any lawsuit brought by the collection agency.

Most collection agencies don’t bother filing a lawsuit if your debt is past the statute of limitations. Some people choose not to pay and instead let the charge-off drop from their credit file after the federal reporting period expires. This doesn’t help your credit scores in the short term, but it can save your finances if you are trying to pay down debts on currently open accounts.

Can charge offs be removed from my credit report?

Yes, there are several ways to have charge-offs removed from your credit report. One way is by negotiating a “pay for delete” with the creditors. Many times creditors do not want to bother with this and chances are they’ve already sent the account to a collection agency, but sometimes they are willing to negotiate. While you can do the negotiating over the phone, it’s best to have all correspondence in writing.

Another way is by disputing the account with the credit bureaus. By law, the FCRA allows you to dispute any items that you find questionable. Once the credit bureaus receive a dispute, they contact your creditor and give them 30 days to verify the account.

If they can not verify the account for any reason, it must be removed from your credit report. There are actually many reasons that they can not or will not verify the account.

You can dispute charge-offs by writing letters to the credit bureaus or you can hire a professional credit repair company to handle the tedious legwork for you.

How can I delete charge offs from my credit report?

Getting a charge off removed from your credit score can make the difference between qualifying for a loan for a house or car, and not qualifying for financing of any kind. Read my story below (and check out the photos for proof) to see how you can remove charge offs from your credit report.

How I learned about credit the hard way.

A few years back, I suffered some difficult times in my life. The company I worked for went under and I lost my job as a result. My bills, including some medical charge offs I had from an injury, got out of control and I could no longer meet my financial obligations. After a while, my accounts were all charged-off and I started getting calls from collection companies.

The phone calls from collection agencies were incessant and it caused me a lot of hardship as they tried to collect. Finally, I declared bankruptcy to escape, but my credit suffered the consequences.

How I took control of my credit score.

For the next several years, I couldn’t qualify for a home loan, auto loan, or almost any form of credit because my credit score was so low. Being rejected again and again for financing was an embarrassing process.

A buddy of mine referred me to Lexington Law and told me that they were a great company to work with. I was unsure if I should trust him initially, but he showed me how they had helped him, so I decided to give them a shot. I checked out their website to see if it was for me.

How Lexington Law helped me.

I called (800) 220-0084 and I spoke with a lady who specialized in helping people repair their credit. She wasn’t judgmental at all and sincerely tried to understand my situation and help me as best she could.

I signed up with Lexington Law here and I’m really glad I made that choice. I saw results quickly when after only three weeks, I got my first letter in the mail saying that a negative item had been removed from my credit report. I got more letters after that.

My credit scores started to climb and after a while, I was finally able to buy a new home. I feel like it would have taken me much longer if it hadn’t been for the help of Lexington Law. Giving them a call was one of the best financial decisions I have ever made (see below).

Charge Offs Removed from My Credit Report:

Click Here to Start Repairing Your Credit Right Now!

Client Testimonials:

“I have to admit I was a little skeptical at first, but after seeing what you were able to do with my credit after only a few months, it is very reassuring. Thank you for everything you are doing for me and please pass on to your staff my appreciation for all of their hard work.”

– T.B., Lexington client

“Thank you for your service. I have had great results from the work you have done on my behalf. After doing some research, I decided to give Lexington a try. The results have been better than expected.

Several items have been deleted from my credit report and more importantly, my credit score has dramatically improved. I was recently approved for ‘best rate’ financing on a new car and a home construction loan. Thanks.”

– B.K., Lexington client

If you’re sick and tired of having bad credit, I recommend you visit Lexington Law Firm. They can dispute all kinds of negative items from your credit reports, including: bankruptcies, foreclosures, repossessions, charge offs, judgments, tax liens, collections, late payments and more.

Discount for Family Members, Couples, and Active Military!

Lexington Law is now offering $50 off the initial set-up fee when you and your spouse or family members sign up together. The one-time $50.00 discount will be automatically applied to both you and your spouse’s first payment.

Active military members also qualify for a one-time $50 discount off the initial fee.

Need Credit Repair Help?

Lexington Law Firm removed over 9 million negative items from their client's credit reports in 2016.

Call for a Free Consultation

(800) 220-0084or learn more

from Credit And Credit Repair https://aaacreditguide.com/charge-offs/