Tricia's Musings

Random Thoughts about life in general, living in the big city of Toronto



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Learn how to raise your credit rating

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I’ve just been introduced to a website that can help you raise your credit score by up to 200 points. The site has apparently even been discussed in the Wall Street Journal. Seasoned Trades offers a five step program that will help you raise your credit level within 90 days. This could be extremely helpful for anyone who’s maxed out their credit cards and ended up having them canceled as a result, or defaulted on payments or perhaps even filled for bankruptcy at one point in the past.

I know that I could probably have used some of this advice a number of years ago. Way back when I was just starting my jewelry business I was so short on cash I lived on my credit cards and totally maxed them out. Of course I couldn’t pay the minimum payments either so I ended up with canceled cards and big bills. It was terrible. And even though I hadn’t used a credit card in 15 years or so and had paid all my past bills many years before – my past poor credit history came back to haunt me when we were purchasing this house. I had to prove that I’d paid American Express something like 15 years before. I didn’t have the paperwork to back up my claim anymore. They said that I’d never paid and that they’d been trying to contact me for years. Odd … I hadn’t moved in that whole time, if they’d really wanted to get in touch with me I think they could easily have by sending me a letter. Funny how things like that work. Anyway, before we could get approved for our mortgage I ended up having to pay off American Express AGAIN. I swear I will never use one of their credit cards again and I’m very careful about how we use our credit cards now.

Anyway, If I’d known more about correcting my credit history at that time none of what I’ve just told you would have happened. I would have known to check my credit report shortly after paying off my overdue bills to be sure that everything was listed correctly.

Seasoned Trades can help you NOT fall into some of the problems that I experience and the information on the site can help you fix your credit rating with their methods. Visit the site and learn how to improve your credit rating.





Compare Insurance companies in the UK

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I thought that some of my UK readers might be interested in learning about this site that lets you compare Driver Insurance rates throughout all of the UK. I know that when looking for insurance it can be hard to find just the right type suited to your needs and it’s certainly nice when you come across information put out by a company that gives you articles on the various insurance companies and on the various types of insurance available.

That’s how I secured our insurance for our car when I was looking a few years ago. I’d found a Canadian based site that let me compare and it worked out perfectly for us. That’s why I know my UK readers will appreciate the information that this UK based website provides.

The company that runs the site, Choose Insurance, offers their unbiased opinion on the various products. They are not paid by any insurance company for their opinion so the information that you get from this site is reliable and trustworthy. They even go so far as to offer free legal services and advice to people that have had a hard time with claims that they’ve issued with their insurance companies or claims that have been denied.

Looking through the site I see that you can compare insurance offerings for Car and Van, Home and Contents, Life Insurance, Travel, Young Drivers and Over 50’s, plus there is also an insurance section for Convicted drivers. Just choose what type of insurance you are looking for and scroll through the various listings to find an insurance company that suits your needs.

Card Guide makes it easy to find credit cards with low rates

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How many of you have spent time trying to look up credit cards and try to find ones with good rates in the past? I haven’t done that for a while but I have in the past. It can be confusing sometimes can’t it? As with anything that I’m putting my name to or signing up for I like to clearly know the facts of the product before I go ahead and get it, and what I’ve found with some of the credit card sites that I’ve gone to before, is that the information is hard to find, buried deep within the site. It just makes the whole process so much more confusing.

Actually, I think one of the main reasons some of those sites bury the information and make it’s so hard to find is because they are charging extraordinarily high interest rates or extra fees on their products.

So I was pleased when I came across CardGuide.co.UK earlier today. They claim to list only the best credit cards and after looking over the site I believe their claim is true. I even found some interest free credit cards. Now that is something that might interest most people!

They make it easy to search for the kind of card that’s right for you. You can compare cards quickly and easily, or you can search for a particular type of credit card and quickly see all of the important information about the card when it comes up in a table with a few other similar card types. If you want you can even apply online directly from the Card Guide site.

Another thing that I enjoyed about the site was that they have a number of articles. I didn’t count them but at a glance I’d say that there are more than 50 different articles on the site that discuss the different aspects of the various types of credit cards, the pro’s and con’s of particular types of cards and so on. Check it out for yourself. I’m sure that at the very least you’ll learn a bit more about credit cards on this site.

Find the best loan rates

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There’s a new site called Loanwize that offers a look at the best rates for personal loans, with listings as low as 5.6% on loans with major banks and financial organizations.

You can also get advice from Loanwize on secured personal loans and mortgages as well as read some of their many articles. The articles on the site describe the different types of loans, and which types of institutions are better to secure loans with depending upon your own needs.

Money saving ideas

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I’m always looking for ways to save money considering the situation I’m in – stuck at home sick, with no money coming, and I came across a site called The Thrifty Scot. It’s aimed more towards people living in the UK but the advice is practical and much of it could be used by anyone anywhere. I know that I’d love to find better ways to keep our money in our savings accounts where it belongs.

There is information on the site that will tell you how to choose better credit cards with lower rates so that you can keep your savings in your bank accounts. There’s also information about how to protect yourself from credit card fraud.

The site has a lot of information and links that will help you find mortgages for your home, and information on remortgages and even home insurance as well.

If you are looking for information on loans you’ll find information on how to get lower rates and better loan offers.

I’m not in a position where I need a loan yet or to re-mortgage our house- knock on wood- but I love finding ways to keep the money in the current accounts rather than losing it on high interest rates and bank fees.

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