Credit scoring is complicated to say the least. When you are born you probably had a credit score of (450) The highest credit scores we have seen exceed (800) In the lending arena and the Federal Government Home Loan Guaranty process, we know that a credit score of (620) or higher can get you a mortgage approval. Now, if your credit scores are lower than that, yep, you can get approved, but guess what? At a much higher rate. So knowing that credit scores affect the amount of your payments is important.
Keep your social security number safe. Don’t carry your social security card replacement around with you or any other card that has your number on it. Don’t use your number on checks or bills that can be stolen.
Finally, you need to call your local police department. Give them your list of items that were in your wallet. Chances are that your wallet will not be recovered, but you will want to have an accurate record of when your wallet was taken and what was inside of it. There have been instances where cardholders are asked to provide this information. You may be asked to come down and sign a police report, so be prepared to do so if asked.
Consider an insurance policy. No there is no insurance available that will replace your entire wallet social security card replacement for you but many identity theft insurance plans come pretty close. For example LifeLock’s WalletLock service will work to get all of your wallet’s contents replaced, excluding the cash and family photos of course, with little effort required on your end.
You have the option of entering your information online, or simply downloading the pdf onto your computer to print out. If you have bad handwriting skills then you may wish to go ahead and fill out the pdf online, and then print the document from the website. Or you can just print out the documents, and fill them out by hand if you so desire.
So you will pay 160 bucks every month on the second highest card which will be like making two monthly payments instead of one. So, that account will be paid off in essentially half the time it would normally take! See how this works?
Insurance Policies – Shred policies that have expired and you have renewed (such as auto, home, and renters insurance). You only need to keep the current policy documents.
A survival bag is a necessity to keep you and your family safe during an extended power outage or natural disaster. This bag can be a link to your safety and survival in a hard situation. Be sure to keep it where you can get to it fast and take it with you if needed.