July 29, 2007

Bad Credit? Insurers Will Make You Pay

Bad Credit? Insurers Will Make You Pay

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By now you know that you need to keep tabs on your credit history to make a good impression on lenders, landlords and employers.� But did you know that your home insurer is also looking?

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In most states they're allowed to use your credit information to formulate premiums - and in June the U.S. Supreme Court decided that your carrier doesn't need to tell you if your credit has caused you to pay more.

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How insurance premiums are determined is a recipe long kept secret from consumers.� Some 90 percent of homeowner insurance carriers use a score based on credit data as part of that recipe, according to risk-assessment firm Fair Isaac, known for its FICO credit score.

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However the scores are tabulated from your insurance company, here are a few tips that should help you get a better rate on your homeowner's insurance the next time your insurer takes a peek at your credit report:

Pay bills on time: Late payments show up for seven years.
Keep revolving balances low: Insurance companies look at how much debt you have relative to available credit.
Keep your oldest credit card: Insurers like folks with well-established lines of credit. Five years is good, 10 ideal.
Don't apply for lots of credit at once: Your score might drop. (You're not penalized for shopping, however; multiple auto or mortgage inquiries within 45 days are considered as one.)
Get rid of miscellaneous cards you don't use: Having too many can hurt your score.

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No matter who devises your score, the original data comes from credit bureaus.� So check your credit reports for accuracy.

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Get a free copy from each of the three bureaus annually at annualcreditreport.com.

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