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New Year's Resolutions and Building Positive Credit!

New Year's Resolutions and Building Positive Credit!

We all seem to come up with some sort of New Years resolution. The statistics show that 90% of people never follow through with their New Year's resolutions. This year keep your resolution simple and manageable.

If one of your resolutions is looking for great insurance coverage at a great price then call Hometown Insurance Agency in Logan, Utah. We can get you a free review and quote on your home, auto, renters, boat and more! If your current carrier is cheaper at least you will have that information but always consider the coverage not just the cost of the insurance! If they are more expensive but we can provide the same or better coverage, now you have options.

Maybe your resolution is to work on having better credit. We have you covered for that too! 

BETTER CREDIT?  Credit Scores affect interest rates on loans AND most insurance premiums too! Most consumers don't realize that their credit affects their insurance premiums, the better the credit, the lower the insurance premium! 

Do you need help with your credit? We have just the tool for you! ScoreNavigator® has many useful credit tools and tips to help you better your credit, here is just a few things it offers:

1.     ALL 3 Credit Reports and Scores!

2.    Point Deduction Technology®/Tradeline (it literally tells you if you are losing any points on any of your tradelines, how many points you are losing and how to get those points back)!

3.    Target Score Simulator® and Manual Score Simulator

4.    Money Simulator

5.    Short & Long Term Recommendations

6.    Credit Education, Advice and Testing and MORE!

Take control of your credit with ScoreNavigator® Other things you can do to help improve your credit are:


1 - Pay your bills on time.

2 - Keep your credit card balances low and pay them in full each month.

3 - If you don't have any credit cards you can apply for up to 2 secured credit cards, per person on our website! These report to each of the 3 bureaus monthly to help you build positive credit and payment history and there is NO minimum credit score required!! Bonus! Just click this link to get started https://apply.firstprogress.com/go/hometownins/select/

4 - Don't consistently have your credit pulled throughout the year, be cautious as inquiries do play a small role in your credit scores.

5 - Try to avoid co-signing on loans, credit cards or other types accounts with others. If the other person makes a late payment or doesn't pay at all it can negatively impact your credit too and you will be just as liable for any money owed as the other person that signed.

Happy Credit + Good Insurance = Happy You!

Happy New Year!

180 North Main Ste C

Logan, UT 84321

435-754-7701

Email: jill [at] hometowninsr [dot] com

Website: www.hometowninsr.com