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
Credit Scores: How They Work Credit scores became common in the 1980s, and today are widely accepted by lenders as a reliable way to evaluate a potential borrower's willingness and ability to repay a loan. Credit scoring condenses a borrower's credit status into a single number which changes as the elements in a credit report change. The score reflects the risk level of lending with a higher number indicating lower risk.
The most widely used score is the FICO score, generated by the Fair, Issac Company. Scores are computed based on data provided by the three major credit bureaus, Experian, Trans Union and Equifax. Scores cannot use demographics such as race, color, religion, national origin, gender, age, marital status, or receipt of public assistance under the Consumer Credit Protection Act.
Factors in a Credit Score: - The length of time credit has been established - The length of time at current address - Used credit vs. available credit - Employment history - Late payments, bankruptcies, judgments, charge-offs, and collections
Improving Your Credit Score
Bills. Pay your bills on time. Apart from circumstances like foreclosure, bankruptcy or tax liens, nothing has a greater negative impact on credit scores than late payments. A payment received even one day late is technically considered 30 days late. Pay your bills promptly to avoid late fees and hits against your report.
Debt. Make it a priority to pay down existing debt as quickly as possible within your budget limitations.
Credit cards. Limit the number of credit card accounts you maintain-fewer is generally better. Keeping a few charge accounts active and paying the balance in full by the due date is the optimum scenario and will raise your score. If you must carry a balance, keep overall balances low and use credit cards only for emergencies or purchases that have long-term value. "Maxing out" your credit cards negatively impacts your credit score.
Don't apply for credit you don't need. Applications show up as inquiries on your credit report, indicating lenders that you may be taking on new debt. Numerous inquiries on a credit report can lower your score. Use the credit you already have to prove your ability to manage credit responsibly.
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.