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
A family member used their social security numbers. These folks had taken in a family member for a few months. Long enough that some serious damage was done. 3 credit cards were opened, fortunately, not for large amounts, but since these folks were not aware of these obligations, they ignored the bills, when they came in. In hind sight they could have discovered to problem much earlier.
After a few months, they were getting calls from collection agencies, they finally figured out what had happened. They confronted the family member, who admitted the crime.
When I reviewed all the information with them, we decided to settle the debt with the three collection agency. I coached them through the process. $1,900 later the debt was settled.
There are a number of different ways to handle these matters. Police reports, legal action or disputes. They decided, the shortest and quickest solution was to work out the settlements.
Once everything was settled, their credit scores are now improving, as they have well established credit already. They plan on selling their existing home and moving. We will be ready to go by then.
You can't start to your credit score your credit until you know exactly what you need to work on. Your credit report includes a list of the accounts that are hurting your credit score. Get a copy of your credit report from each of the three major credit bureaus to find out which accounts need work and which are just fine. You can get a free credit report from AnnualCreditReport.com.
If your credit report contains errors, you have the right to have them removed by writing to the credit bureau or the creditor who listed the account on your credit report. Errors can hurt your credit score more than you think. For example, an inaccurately reported late payment could bring your credit score down 60 to 110 points depending on the other information in your credit report.
New credit card purchases will raise your credit utilization - the ratio between your credit card balances and your credit limit. The higher your balances are, the more your credit score is affected. So, pay cash for purchases instead of putting them on your credit card. Even better, if you can avoid the purchase completely, you can use that money to reduce your credit card balance. Lowering your balances helps improve your credit score.
Your payment history makes up 35% of your credit score. The further behind you are on your payments, the more it hurts your credit score. If you have the money, get caught up on your credit card payments before they are charged-off or sent to a collection agency. Talk to your credit card issuer about your missed payments. They may be willing to re-age your account so your credit report shows your account has always been paid on time.
As long as you're in credit repair mode, you should avoid making any new applications for credit since credit inquiries can hurt your credit score. Opening a new credit account also lowers your average credit age, another action that hurts your credit score.
You might be tempted to close credit card accounts that have become delinquent, but wait. Before you close any account make sure it won't negatively affect your credit. For example, closing a credit card with a balance can hurt your credit score if the lender also stops reporting your credit limit. It's very rare that closing a credit card will improve your credit score.
7. Make contact with your creditors.
Right now they're certainly the last people you want to talk to, but you'd be surprised at the help you might receive if you call your credit card issuer. If you're having trouble, talk to your creditors about your situation. Many of them have temporary hardship programs that will reduce your monthly payments until you can get back on your feet.
The amount of debt you're carrying is 30% of your credit score. You'll have to start paying off your debts to improve your credit situation. If you don't have the money on hand, sell some of your belongings to speed up the process. It will be a sacrifice, but the financial freedom you gain - and the credit score points you gain - will be worth it.
Resources, like consumer credit counseling, are available to assist you. If you are overwhelmed by your credit situation, seek professional assistance. You can locate a credit counseling agency through the National Foundation for Credit Counseling. Your credit card billing statements now include the number to credit counseling agencies that can help you.
10. Be patient and persistent.
Patience isn't a factor that's used to calculate your credit score, but it's something you need to have while you're repairing your credit. Your credit wasn't damaged overnight, so don't expect it to improve in that amount of time. Continue paying your debts on time each month and over time you will see your credit score improve.
Joe Petrowsky does not guarantee nor is in any way responsible for the accuracy of the information provided herein, and provides said information without warranties of any kind, either expressed or implied.
Equal Housing Statement: We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the Nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing becuase of race, color, religion, sex, handicap, familial status, or national origin.
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.