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Security Help!


WickeDay
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I thought someone might have ideas. I'm done. :slingshot:

So, Slomin's denied me in credit and was very rude about it.

I called Brinks and they denied me too. They said my option would be to pay for the three year contract up-front. ($1,448.00). I could afford it I guess, but that is alot of money up front.

Or, put it under someone else's name, and have it on my credit card, which I may or may not be able to do, but either way, it pisses me off because then I'm paying to build someone else's credit.

The other option would be to go with ion which is the independent company brinks hires. They want $300 more for the installation, but the monthly is $10 less a month, so at the end of the three years, it evens out to be about the same as Brinks.

I also put a call into ADT, who supposedly doesn't do a credit check but, is the most expensive.

:rollingpin:

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Yeah, I'm thinking of going with the independent company because it's more money up front, but the same in the long run. I'm also going to ask if they report to any of the major bureau's cause that would give me a way to build credit maybe. I'm just worried that it's not as big of a company. Same response system? Same liability if something goes wrong? etc.

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Well, different part of the country, but I've been using a little mom & pop security company for the last 8 yrs since I moved into this house. Had ADT at the previous home.

No difference in response time between the two. Single page contract (month to month) - wasn't worried about liability, so I can't recall w/o fishing out the contract. No credit check/no reporting. They change the battery w/o charge regularly.

I'm sure each little company is different - your mileage may vary...

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Good thinking! I just called and asked, and they said no dice. 3 years or nothing.

Paying the $1,448.00 up front would put me in a bit of a jam, because I still need to get my floors in and buy a couch, and it looks like doing all three are going to put me just over the top of my limit.

The pros and cons really keep going against each other, on one hand, I wouldn't have to worry about the bill for 3 years. So, that's more money to spend on me each month and it is a bigger company. On the other hand, what if the service sucks and I want to pay to cancel? Not really an option once it's payed up front. What if after doing my floors, I really don't have the dough for a couch. Is it better to then have to save up for one knowing my apartment is protected? Or, will I be wondering if it was worth it to protect an apartment I don't even have a place to sit in?

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oh goodness such a quandary. I would go with mom and pop to have all of the money you need available. Can you save up a bit for the seating arrangements? The security is impt but so is having a place to sit with finished floors. Can you get mom and pop down to a one year contract? how about the other company?

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You're right, this certainly was a quandry! :urcrazy:

But, I decided that while I have the money, I should go ahead and spend it, and worry later on. I'll still have the money for the floors, and if I have to save a bit for the couch, so be it. I'll still save up for it sooner, not having the security bill to pay every month. xbeer)

I really appreciate the feedback, and others who just let me ramble. I always have to check in with my CICers before making big decisions like investments...and egg salad. :roflmao:

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Well, supposedly if I pay up front for Brinks, they will report to the Bureau's, but if I go with the mom and pop system, nada. Is it really worth paying a grand more up front to get a point on my credit report?

I think they are full of it when they claim they'll report a paid up front account as a positive TL to the CRAs. Doesn't seem to really make sense that they would, IMHO. Where exactly is the credit transaction if you've paid upfront?

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I think they are full of it when they claim they'll report a paid up front account as a positive TL to the CRAs. Doesn't seem to really make sense that they would, IMHO. Where exactly is the credit transaction if you've paid upfront?

good point.

is the agreement to post on the contract?

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