farout68

6 Contributions 15 People Helped

Member Since: November 2013

Most Helpful Contribution

New York Life Insurance

Feb 04, 2015
easy to get approved, I was an AARP memb
Helpful to 9 out of 11 people

I have very poor health. So I have to get a "no questions asked" policy, or "Whole LIFE" policy as it is known. My monthly payments for $ 15,000. is a little over $ 100. a month. I took this policy out when I was about 66 and now I will soon be 70. I am glad I was even able to get life ins.

But be careful, some TV life insurance sold on TV is a huge rip off. New York Life was the best price and was honest and up front about the policy. There was a two year waiting period before the full $ 15,000. would be piad. They want to make sure you are not in such bad health you would pass on within a few months.

We feel for the major health problems I have that New York Life was a fairly honest price, and they were fast, and efficant in issuing me the two policies. One for $10,000. and a $ 5,000. policy two years later.

New York Life is a top AM BEST rated company. My wife and I are very pleased.

Activity (6 Total Contributions)

Understanding credit score differences

Jun 06, 2015
Helpful to 3 out of 3 people

This is because it's a way for those rich people connected with lending their stinking money to get richer!  Think about it. FICO scores effect your auto insurance, and everything else in your life, even deposits required for owning a house or renting, to getting a job. This is a scam that we are forced into to screw us!

New York Life Insurance

Feb 04, 2015
easy to get approved, I was an AARP memb
Helpful to 9 out of 11 people

I have very poor health. So I have to get a "no questions asked" policy, or "Whole LIFE" policy as it is known. My monthly payments for $ 15,000. is a little over $ 100. a month. I took this policy out when I was about 66 and now I will soon be 70. I am glad I was even able to get life ins.

But be careful, some TV life insurance sold on TV is a huge rip off. New York Life was the best price and was honest and up front about the policy. There was a two year waiting period before the full $ 15,000. would be piad. They want to make sure you are not in such bad health you would pass on within a few months.

We feel for the major health problems I have that New York Life was a fairly honest price, and they were fast, and efficant in issuing me the two policies. One for $10,000. and a $ 5,000. policy two years later.

New York Life is a top AM BEST rated company. My wife and I are very pleased.

U.S. Bank®

Feb 04, 2015
Bandit Bank
Helpful to 1 out of 1 people

My wife and I were with US bank for four years. Their charges kept creeping up, deposits were posted after checks were presented, thuss overdraft charges. We had to prove by the deposit slips they were in error. This happened at least 5 times. They reversed charges, and sent letters to places that US BANK sent checks back to. US BANK said we had a safety Box and charged us $ 35. rent, when we did not have one, then they wanted to charge us a $25. key charge for not returning the key to the safety deposit Box that we did not have.

We found the Bank manager very nice and the people that worked there, but the Bank itself was so messed up , we were going to ruin our standing with people we did business with, if we had stayed with US BANK.

The avrage person working for US BANK are nice, it's just US BANK that wants as much money from you as they can get!

how can i raise my credit score 100 points in 6 months

Sep 25, 2015
Helpful to 2 out of 3 people

Obtaining as many revolving accounts as possible is stupid! It just shows you are willing to get credit no matter what the interest rate is. It also might show you are a gambler needung  availible quick cash.

I might add buying a new vehicled does not help your credit. All delaers send out a blanket request to a bunch of lenders at the same time and flood your credit report with as much as 10 different "hard inquries".  I bought three trucks in a year and now I have 24 hard inquries showing on my report. Even though I did not authorize them all they are there for a long time. My FICO score was just over 700, now its 581. I am really upset.

Here is the kicker, Credit Karma suggest bankrupcy in their reccomdations for my credit. That would be death step for me as I am 70 and it takes at least nine years to get that of my credit report. 

I am very leary of what Credit Karma says.  

Innovative Funding Services

Feb 04, 2015

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Understanding credit score differences

Jun 06, 2015
Helpful to 0 out of 1 people

Enter Your ReplyCredit Karma is good, but Trans Union is VERY SELDOM USED! The two others swing real weight, and it is near impossible to get things changed!!! When my wife and and I bought two vehicles last year the dealers slamed our credit with searches for financing, about 12 each time. Our credit FICo scored dumped to 630 that is so unfair to consider each inqurie as a point against our credit! I hate FICO!!! This is a scam to make  auto insurance, and many outer places charge more intrest. This is a real scam to allow these credit companies charge more for getting your FICO score and watch your credit for a charge. What a rip off !!!