fico: Are you afraid to call a mortgage lender? - 07/16/10 09:16 AM
Many people who are thinking of buying a home want to go out and look at homes but don't have their preapproval letter from a lender. They are apprehensive about contacting a lender because they are afraid of what will show up on their credit report and are afraid their FICO® score will be low. 
It's easy, really.  Just go to, the only authorized source for consumers to access their annual credit report online for FREE. Or call 877-322-8228. You will be able to order all three credit reports at one time, or each at different times throughout the year if you prefer.   But, … (9 comments)

fico: How to Increase FICO® Scores for your Buyers - 11/18/08 03:57 AM
I didn't know about this (part of it, anyway) and I'll bet you didn't either!  Interesting advice from Marco Carbajo...

Increase your monthly positive point payments
Your payment history accounts for 35% of your credit score according to Fair Isaac. The most common advice you will hear from every so called "credit expert" is make your payments on time. While this is the basics of building and maintaining a good credit score let's go way beyond that.
Each time you make a monthly payment towards your credit card balance whether on time or late your credit card issuer reports … (4 comments)

fico: FICO 850 - 04/08/08 02:21 PM
What is FICO 850? Very simply, FICO scores range from a low of 300 to a high of 850. FICO 850 is the numerical representation of a perfect credit score.
Since the early 1970s, most of the consumer reporting agencies (CRAs) have been using computers to aggregate all the information that comes into them each day from creditors everywhere.
Each of the three major CRAs has a partnership with (F)air, (I)saac & (Co)mpany (FICO). Assuming your credit report is identical at all three CRAs, your score should also be the same at all three. Often, however, the various CRAs have different (and … (5 comments)

Shirley Parks, Broker, 210-414-0966, San Antonio TX Real Estate (Sands Realty 210-414-0966) Rainmaker large

Shirley Parks

Broker, 210-414-0966, San Antonio TX Real Estate

San Antonio, TX

More about me…

Sands Realty 210-414-0966

Address: San Antonio, TX

Office: (210) 414-0966

Email Me

We serve all areas of San Antonio, including Alamo Heights, Alamo Ranch, Boerne, Bulverde, Castle Hills, Champions, Cibolo, Converse, Deerfield, The Dominion, Encino Park, Fair Oaks Ranch, Garden Ridge, Helotes, Hill Country Village, Hollywood Park, Inwood, Leon Springs, Monte Vista, Northwest San Antonio, North Central San Antonio, Northwood, Olmos Park, Rogers Ranch, Schertz, Shavano Creek, Shavano Park, Sonterra, Stone Oak, Terrell Hills, Universal City, Ft. Sam Houston, and Randolph AFB. We proudly assist clients in every price range throughout the greater San Antonio metropolitan area as well as across the nation. Through our real estate web site,, you have the ability to search virtually every home for sale in the San Antonio area.




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