"Cross Country Home Services: Total Protect Home Warranty. Total Protect home warranty plans can cover multiple appliances (refrigerator, oven/range, cooktop/stove) and systems (HVAC, plumbing, electrical), no matter the age, make, or model. TotalProtect is part of the Cross Country Home Services, Inc. (CCHS) family of brands, rated as an 'A' Business with the BBB. Total Protect has over 40,000 highly qualified and pre-screened service providers."
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Please call 888-391-3957 or 888-903-0648 during normal hours of operations shown above only; except for holidays!
"Understanding Your Credit Score"
"What does your score mean?"
"This rating system is meant to develop a snapshot of the risk you currently represent to a lender. Several parameters in your credit file, including length of credit history, number of open accounts, loans, mortgages, public records, and others are formulated to produce a three-digit score between about 300 and 950. There are other scores used by lenders and insurance companies (some of which are developed by FICO®) such as Application and Behavior scores. These other scores take other information into account. Usually a lender will use a combination of your credit score with other factors when determining your risk. They all have the same objective, to determine the borrower's potential risk. Regardless of whether the score was generated by FICO® or a system based on FICO® parameters, they all yield an industry standard three-digit score. This score places the borrower in one of three main categories (we named the third one ourselves.)"
"Prime, sub-prime, and shafted"
"How are credit scores calculated?"
"The methods of calculating your credit score may differ slightly depending on the credit bureau. When obtaining your score from one of the Credit Bureaus it is important to understand that your score does not come directly from FICO®. It is adapted to each bureau and is given its own name: Equifax uses "Beacon," Trans Union uses "Empirica," and Experian uses "Experian/Fair Isaac." These scores are also referred to as your "Bureau Scores." Since your score is derived from your bureau data, it will change every time your reports change. However your score is calculated, it will always take into consideration many categories of information. No one piece of information or factor determines your score. As the information in your credit report changes, the importance of one or several factors may change in your score. Lenders look at many things when making a credit decision, including your income and the kind of credit you are applying for. However, your credit score does not reflect these facts as it only evaluates the information retained by the credit reporting agency."
"What factors affect your credit score?"
"There are five factors which are used in credit scoring calculations that determine your overall credit score."
"Improving your credit score"
"Now that you know how your score is calculated, you can begin making changes to your current financial planning. The best things you can do are simple. Pay your bills on time. Sounds simple, but this is the biggest thing you can do to keep your score high. Delinquent payments and collections have a major negative impact on a score. Keep your balances low on unsecured revolving debt like credit cards. High outstanding balances can affect a score. The amount of your unused credit is an important factor in calculating your score. You should only apply for credit that you need. Make sure the information in your credit report is correct. If its not, dispute it with the credit agencies and/or with the creditor directly. Removing negative items on your credit reports has the biggest impact on your credit score. Generally, negative items stay on your reports for seven years but you can hire a professional credit report repair service such as Lexington Law Firm to do it for you. You can try to understand the laws and yourself, but we have found it's so much easier to have someone do it for you. We strongly recommend using Lexington Law Firm, they are the industry leaders."
Source: Lexington Law, October 24, 2016
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