Groups are smaller communities within the larger ActiveRain. Join groups created by others. or start your own and
get others to join
This is the place to view the past and present contests put on by ActiveRain and its members. Everyone can join the
group and help encourage each other. Current contest will be highlighted posts so it's easy for you all to see. Let it
Curious as to what others in your profession think about a certain product or tool?
AR's community takes the time to leave honest and transparent reviews of their experiences
so you can be a bit wiser about your purchase.
Broken down by categories and subcategories for easy finds
Get an unfiltered look at what real users are saying
Leave a review yourself for others to benefit from
Add new products as you use them and gain points for doing so
ActiveRain University (ARU) provides free on-line training. We coach, consult and support real estate professionals about real estate trends, technology and social media.
ARU Calendar provides class types and registration links
Watch short tutorials on updating your photo, inserting a hyperlink and much more
Sign up for the Daily Drop so you don't miss out on AR's daily happenings
Find answers to most FAQ's
Whatever it is you're into and wherever you are, AR surely has a group for you to join.
Brand, off the wall, specific subject matters…whatever it is you're looking for.
Each time you write a post you can syndicate your post to 5 groups.
And if by chance you don't find what you're looking for, start a new group today!
Get your content in front of more eyes
Search by location or type
Feel free to start your own group
Find some that are close to home and close to heart
Each month AR runs numerous contests as a way for our members to engage in activities
that will boost their business and increase their visibility in the community and beyond.
Earn points by partaking in these contest and climb the leaderboard
Do what's good for you and your business by participating
If you have an idea for a contest, just let us know
Stay motivated and on track with new contests popping up each month
Ask a Real Estate Question
Here's another avenue for you to build relationships with others. Share your expertise with someone searching for answers.
Play the teacher role and help someone out today
Your Homepage will alert you of new questions in your state
A wonderful way to open a door to a possible new client
Ask a question yourself to get help
These state pages or hyper-local pages provide content directly related to a specific geographical location.
State, County, City and Neighborhood pages make it easy for consumers to find what they're looking for.
Post your listings, school information, local events, market reports and more
Consumers peruse these pages for information
Farm your niche market and cover all the happenings in your neighborhood
Going through a bankruptcy can be a very traumatic event, both emotionally and financially. Your confidence in your ability to function financially may have been shaken and you may be wondering if there is any hope for your credit after this bankruptcy. The good news is that you can establish good credit again and there will even be lenders willing to loan money to you in the future.
First, you need to realize that bankruptcy does not affect your credit forever. While it can appear on your credit report for as long as ten years, if you immediately start managing your finances better and paying your bills on time, the bankruptcy will have less and less bearing on your credit score as the time passes.
Remember though, that your bankruptcy effort on your credit will only lessen as you make wise, responsible financial decisions. This may mean changing some of your old habits. If your bankruptcy was the result of consistent overspending on your part, it is time to learn how to live within your means by using a budget. If a financial crisis or medical emergency was the cause of your bankruptcy, it will be important to focus on building up your savings as a safety net for future calamities. Whatever your financial downfall was now is the time to learn from your mistake and make the necessary changes to rebuild your credit.
You also need to reestablish yourself with some credit soon after a bankruptcy. While you may not qualify for a normal credit card immediately afterwards, you can obtain a secured credit card to start with. This means that you must first deposit a certain sum of money as collateral for your credit expenditures. The deposit will often be equal to the limit you can spend on your card. Once you get this card, you have to be careful not to max it out even though your limit may be small. You are trying to rebuild your credit and that will take consistent smaller charges that you pay off on time every month. Resist the urge to charge more than you can afford to repay at the end of the month. After a period of time of responsible activity with your secured card, your credit will have improved enough to move you up to an unsecured card again.
Another important way to re-establish your credit is with some sort of installment debt. These types of loans might include student loans, mortgages, or car loans. If you have any existing installment loans that were not discharged by the bankruptcy, you should start with these and be very careful to always make your payments on time. If you can, try to pay these loans off quicker than just making the monthly payment requirement would allow for. Your credit will receive a great boost anytime you pay down your debts faster. If you do not have any carry-over loans, you may be disappointed to find that obtaining an installment loan soon after a bankruptcy will probably require you to pay a much higher interest rate. Just realize that this is a necessary part of rebuilding your credit and that you will usually be able to qualify for lower rates after a period of timely payments with the higher interest rate.
A recent bankruptcy will not cripple your credit forever. The key is to change your old financial habits and start anew in building up good credit through smart and sound spending principles.
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.