When you’re shopping for a low mortgage interest rate, keep in mind that widely advertised rates for home loans are usually designed for home buyers with “very good” to”excellent” credit scores. — Understanding Your Credit Score — That’s not meant to imply that you can’t get a mortgage if you have a “fair” credit rating,… Read More
Using credit responsibly is an integral part of your personal finance. Not only is credit a key factor in securing a mortgage when buying a home, vehicle or other major purchase, landlords and property managers invariably look at credit before approving new renters, as do insurers, utility companies and employers. It’s not always easy to… Read More
Can you improve your own credit score? The video below offers some advice if you choose to work with a credit counselor and some warnings, but you can actually repair your credit yourself in a few straightforward steps. Check your credit report on annualcreditreport.com. This is the only site authorized by federal law to provide… Read More
1 in 40 American Families Deal With Child Identity Theft. This isn’t purely a homeowner issue but I feel it belongs here nonetheless. It’s a family issue. A community issue. You protect your children from physical dangers in your home. You protect them from dangers in and out of your neighborhood. Whether it’s screening care-givers,… Read More
If you experienced a financial event that dinged your credit such as a short sale or foreclosure, you’d naturally want to know if your credit score has recovered. Be very careful where your credit information comes from, the only truly free online credit report can be obtained at www.annualcreditreport.com. More Resources for Home Sellers… Read More
This video contains suggestions for Seniors but everyone can benefit from this advice. Of course we all would love to escape the nightmare of identity theft, but if you’re planning to buy a home it’s especially important to be sure your credit hasn’t been compromised in any way. Pull a credit report well in advance…. Read More
