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group and help encourage each other. Current contest will be highlighted posts so it's easy for you all to see. Let it
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AR's community takes the time to leave honest and transparent reviews of their experiences
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Each month AR runs numerous contests as a way for our members to engage in activities
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Ask a Real Estate Question
Here's another avenue for you to build relationships with others. Share your expertise with someone searching for answers.
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Your Homepage will alert you of new questions in your state
A wonderful way to open a door to a possible new client
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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.
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Consumers peruse these pages for information
Farm your niche market and cover all the happenings in your neighborhood
Do you know how the bank determines whether or not to issue you a credit card? Moreover, do you know why you get an interest rate that is slightly higher than your neighbor’s, even though you both carry the same card? You do know, of course, that institutions issuing credit cards and offering loans check applicants’ credit profiles. They search for red flags that determine whether or not an applicant is a good credit risk or might in the foreseeable future default on the loan. In the cases of unsecured credit – as is the case with credit cards, this is especially crucial to prevent banks from consistently losing money with defaulting customers. Yet did you know that – even worse than the occasional late payment in the last couple of years – is the quantitative summary of your credit record, as reported in your credit rating?
You are considered to be a good credit risk if your credit score is between 700 and 750, while a very good credit score is expressed in a listing ranging from 750-800. Customers with this kind of credit rating are routinely offered the most advantageous loan and credit products, lower interest rates, and other money saving opportunities. A middle of the road credit score of 650-700 still qualifies a good many consumers for a variety of credit products, but the rates are likely going to be slightly higher. Interest rates will be higher and some exceptional loan products most likely will not be offered to consumers with fair credit ratings.
A bad credit score – 600 to 650 – or a very bad score of below 600 points will result in denied credit, or at the very least in expensive credit. The lower the credit score, the more a consumer should expect to pay for any kind of loan product. In the majority of cases, the extreme expense of credit can only be counteracted by presenting the lender with a cosigner who has excellent credit. Even so, the odds are good that any credit card or loan will carry a significantly higher interest rate and perhaps also lower credit limit, to prevent the consumers from defaulting. Consumers without any kind of credit rating are oftentimes considered a poor credit risk until they manage to persuade at least one lender to take a chance on them and then prove that they are able to handle credit properly.
The credit score providers lenders with a summary judgment of your use – or abuse – of credit. This number determines if your debt to income ratio is too high, flagging you as a potential future credit risk. Public records, such as bankruptcies and repossessions, also factor into your credit rating. If you lose a home to foreclosure, a car to repossession, or negotiate your credit card balances with the help of a debt settlement agency, your credit score goes down. Moreover, if you have too many open credit cards accounts on your record or too many inquiries from creditors on your account, your credit profile will once again go down.
Krista Scruggs is an article contributor to Debt-Settlement411.com. Debt Settlement 411 connects you with credit card debt settlement companies that can help you avoid bankruptcy. We have several debt negotiation companies within our network, each with their own strengths and specialties. Depending on your specific situation, we will match you up with the right company.
Shannon Arnold is an article contributor to Lender411.com where you can shop for the lowest mortgage rates. Whether you are looking for fixed mortgage rates, variable adjustable mortgage rates (ARM), jumbo loans, interest only or even specialized mortgages such as bad credit mortgage or reverse mortgages, we will match you with qualified lenders that will provide you with online mortgage quotes.
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.