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
We all know how important credit is to our lives and even our livelihoods. The lack of credit has significant adverse effects when a business can't get a loan to finance ongoing business operations. In our personal lives, we can often do without credit until we need to buy something big, like a car or a house.
Because credit is important to us, our credit scores are equally important. Those credit scores come from three credit reporting agencies:
No one really knows exactly how they manufacture those credit scores, kind of like the ActiveRain points system probably. We do know that certain things can affect those scores significantly:
Having too many credit cards -- I had a Client turned down for a home loan because she had 51 credit cards, even though the amount of credit she was carrying was a mere 4% of her available credit.
Too much available credit -- This was also a reason listed for the previous Client's denial.
Too much debt; balances too high -- This results from maxing out your credit cards.
Too much recent activity -- This often results from going on an extended vacation but can also result from illegal activity from a stolen credit card or credit card information, as well as from identify theft.
It's important that you monitor your credit, credit scores, and your credit reports from the three reporting agencies. Federal law recognizes this importance by allowing you to get a free credit report every twelve months from each of the three credit reporting agencies.
Many people will tell you that you can get a free credit report annually, but it's important to understand that there is a difference between "annually" and "every twelve months." Most people consider "annual" to be a calendar year from January through December, so they wrongly believe that if they got three free credit reports in September 2009, they can get three more free ones in March 2010. That's not the way it works.
Rather, you're entitled to those free credit reports "every twelve months," so if you got them in September 2009, you'll have to wait until September 2010 before you're eligible to get them again.
However, there's a better way to use your three credit reports. I recommend checking your credit score every four months since you can do it free. Here's how:
Since you are entitled to one free credit report every 12 months from each of the three credit reporting agencies, let's start today, September 14, 2009, and get the first one from Experian.
If you do that, here are the dates to get your other free credit reports:
January 14, 2010 - free credit report from Equifax
May 14, 2010 - free credit report from TransUnion
September 14, 2010 - free credit report from Experian
January 14, 2011 - free credit report from Equifax
May 14, 2011 - free credit report from TransUnion
And so on.
The information is 99% the same on all the credit reports with the only differences being format, wording, and scoring, so you can monitor your credit better by using this system.
I would like to thank the kind lady at Washington Mutual's credit department several years ago for pointing this out to me when we were having credit problems due to identity theft. Unfortunately, Washington Mutual was a victim of the upheaval in the banking industry and is now Chase, a bank that I don't particularly like.
Jim Frimmer, Realtor Century 21 Award Mission Valley California DRE License #01458572 619-729-5701 firstname.lastname@example.org
Buy your own piece of paradise in San Diego County.
I can help you find the best just the right home or just the right buyers to meet your real estate needs, wants, and goals.
I'm available 24/7, so feel free to contact me by phone or email.
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.