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
There are some important changes to the FICO credit scoring model that will affect your credit scores!
The three credit bureaus (Equifax, TransUnion, and Experian) should be implementing the new FICO 08 model sometime around this spring or summer. They are running late from '08.
Changes to be aware of:
Positive: The new model will ignore small collections under $100. Things such as library fines, parking tickets and those extremely frustrating small medical bills used to appear on credit reports causing incredible damage to scores. With the new model, any of these under $100 will still show up on the report but they will no longer be factored into the scores. The new formula will include some authorized user accounts. Adding a spouse or child to a credit card will still benefit them.
The Not So Positive: Closing accounts will hurt your score (but that's always been the case). If you have more closed accounts then open accounts you could see a significant decline in your credit score. Use your accounts to keep them active. Charge a tank of gas or any small item and then pay it off.
The FICO 08 model also puts more emphasis on a mix of credit, revolving and installment loans. If you have only credit cards your score will be lower than someone who also has some sort of installment loan, like a mortgage or auto loan. (Now is an incredible time to buy a home for so many reasons... I never imagined that improving your credit score would be one of them. But hey, it's great!)
The Negative: High balances on credit cards have always been an issue and now they will carry even more weight. It used to be that keeping a balance below 50% of the high credit limit was good and below 30% was great. With the new model, below 30% is good and below 10% is great. With so many credit card companies feeling the credit crunch, some of them are decreasing credit limits - sometimes as much as by 50%, which could be detrimental to a credit score because it could portray the idea that you are close to your limit.
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.