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
When it comes to credit scores, many consumers don’t know what to believe or what goes into calculating ones score. And that’s for good reason, as credit scores are derived from complex algorithms, too complex for even the most astute financial person to fully comprehend. However, there are certain myths and realities when it comes to credit scores.
Myth: Your Current Interest Rates Affect Your Credit Score
Reality: Credit bureaus don't look at your interest rates when calculating your credit score. In fact, this myth has the process absolutely reversed: banks and credit card issuers will look at your credit score before determining your rates. It's true that your previous credit history can affect your rates, but issuers look at your reported payment history, not your interest rates. Credit bureaus don't even collect this information.
Myth: If You're Employed, That Reflects Well On Your Credit Score
Reality: Credit bureaus don't track your employment status, though previous and current employers could show up on your report. All they care about is your payment history and how much credit you've been extended in the past. In fact, it's impossible to track everyone's employment history, and may be illegal, depending on the state. It is true that bank loans will look at your current employment, but that's a different area entirely.
Myth: Your Age, Race, Gender, Nationality, and Ability To Speak English Will Affect Your Credit Score
Reality: Credit bureaus aren't interested in collecting this information, as it's irrelevant to what a credit score and credit report are supposed to do. Furthermore, collecting this information can be illegal, and providing it to others is against federal discrimination laws. While interested companies could probably learn this information about you and your age and gender may appear on your credit report in certain instances, it will not affect your credit score necessarily. Myth: Credit Bureaus Look At Your Assets
Reality: Credit bureaus have no access to that information. Credit bureaus don't receive any information from banks about your checking or savings accounts: only loans. Similarly, credit card companies only report your credit line and how much you currently owe to the company. Myth: Where You Live Affects Your Score
Reality: Credit bureaus do track addresses, but this is solely to be able to properly line up the correct credit history to the correct person. They don't provide that information on credit reports.
In the end, when it comes to credit scores, there are still many complex factors, which make it difficult to explain all the ins and out of the scoring systems. However, there are certain myths and realities that we do know.
For more information on home purchase loan or refinance programs for existing and potential home owners, please contact Bill Kamboukos of Strategic Mortgage at (480) 219-3682 or by emailing: firstname.lastname@example.org or online at www.strategicmtgaz.com
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.