Question regarding credit reporting influence on insurance rates

Question regarding credit reporting influence on insurance rates

I have Homeaite Ins. Co. Of the Midwest, in Waterford MI. I am reviewing my policy and in it under Consumer report information it shows Trans Union. Corp. showing we have 3 bank installment accounts. It also showed this for last years policy as well. See photo. BUT… we have had zero installment loans aka mortgages for YEARS. We had a refi in 2004, and another in 2010 Both have been paid off and closed. One property has been sold. We just opened a heloc last month. I signed up for free TUC reports which show no mortgage type accounts, only our credit cards. Can someone please explain this and if I’ve been being overcharged for my insurance? Thanks!

u/Interesting_Race9469 — 5 days ago

1948 bungalow Fixer upper that had 35 years smoker and crap textured walls!

Helping my son with his first home that is a total fixer upper. The walls, ceiling and cove are all textured and I attempted to steam it off but it’s super slow going and a major pain. We are considering using 1/4 drywall on top, but one contractor said to just tear the walls out to the studs up to the cove instead. The house is tiny so that would save some space. Is this the best approach? How do you handle the cove and ceiling? The original walls are likely wallboard with possibly plaster on top. Would tearing that out reduce insulation? It seems rather good at holding temps at the moment. The kid is pretty broke, so looking for most cost effective way to get rid of the shit texture job and massive nicotine.

Thanks for any inputs.

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u/Interesting_Race9469 — 17 days ago

Not getting a full 12oz cup of classic coffee after attempting espresso-ES-601 model

So, my DIL was exited to attempt espresso yesterday. She did a couple tries and I really didn’t pay attention. Settings are back to 12 oz coffee and this am only got maybe 50% of that. Hubby got even less. We emptied hopper and cleaned grinder, emptied overflow tray, used less oily beans. Still not right. What should be next step? It’s only 2 weeks old. Call customer service or Exchange at Costco?

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u/Interesting_Race9469 — 1 month ago

Question on low slope roofing residential products

Got a couple quotes on a new roof in metro Detroit with front being shingles and back with an addition (and former leak that was patched) being low slope. One is for certainteed flintlastic and landmark pro, other is Owen’s Corning Duration shingle and Mule Hyde for the low slope.

I was told the low slope has 20 year warranty by Owen’s Corning guy, and it wasn’t quoted (I failed to notice difference in materials for front vs back on first quote which was landmark).

I guess my question is would the two different systems with owen’s Corning void the shingle portion of the roof warranty?

I’ve learned a ton about roofing here and it helped when I redid my home in 24, but this is all new to me. It’s my kids first home and a crapper lol. Lots to do with not too much money. Don’t want him to choose the provider because I didn’t ask the right question. He is leaning towards Owen’s Corning because his best mate would get a $500 referral and he has seen the roof.
Both quotes were very similar in price and adding cans for ventilation on the front of the home. It’s a 1948Bungalow.

Thoughts? Thanks all!

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u/Interesting_Race9469 — 1 month ago