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
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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!
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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
Ever wonder how your FICO Score is determined? As a property manager I'm always checking applicants to rent credit history & FICO scores. It's an important part of the screening which comes down to numbers: income numbers, credit numbers and phone numbers of past landlords (at least 2).
According to all three reporting companies: Experian (seems to be the most used) Equifax & TransUnion here is the criteria:
*What Factors Raise Your Score:
Experian & Equifax: You have Paid your bills on time and currently do not have any overdue accounts or derogatory information reported: collections, charge-offs, bankruptcies, etc.
Experian, Equifax & TransUnion: You have a good Cushion of available credit between your current balance and your credit limits on all open trades. This cushion demonstrates to the lenders that you are unlikely to overextend yourself financially.
Experian, Equifax & TransUnion: You have at least 2 or more open major credit cards: Visa, Mastercard, American Express or Discover on your credit report. This demonstrates to lenders that you are a responsible borrower which makes it more likely to be viewed as a "good" credit risk and extend you credit.
Experian, Equifax & TransUnion: Your credit does not contain negative public records: bankruptcy, tax lien, IRS lien, mechanic's lien, liens etc., lawsuits or judgments in the last 2 years. Public record items can remain on your credit report for 7-15 years, depending on the item. (Which is why it's always better to short sale over foreclose your home. Short sales in general affect you 2-3 years whereas foreclosures can remain on record for 7-10 years-TJN).
TransUnion: You have worked a long time buildings credit history, which is affecting your credit score positively. Consistently paying on-time over a long-term is one way you are viewed as responsible with your credit by lenders.
*What Factors Raise Your Score:
Experian, Equifax & TransUnion: You do not have any real estate loans. Lenders place high value on the skill and discipline it takes for a borrower to obtain and maintain real estate loans than other types of accounts. There is an increase in borrowers' credit worthiness when they carry and pay on time, a real estate loan.
TransUnion: Your payment history shows 1 or more late payments by 30 days or more. Late payments are viewed as negative and depending on what the late account is, can stay on your report for 7-10-15 years.
Locally, I recommend: FBS Property Management in San Diego, ask for Pam Neillo www.FBS-PM.com
LOCKHART & BRITTON 7777 Alvarado Road, Suite #622 La Mesa, CA 91942 Voice: 619-698-6800 Fax: 619-698-2957
* Information was compiled from www.freecreditreport.com and Experian, Equifax & TransUnion. Readers should do their own research to verify all info. I'm sharing what I have learned through my own property management experience over the past 26 years. I am not affiliated with any credit reporting service or company.
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.