Wayback Wednesday... What do YOU Deserve?

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Real Estate Agent with Century 21 Results Realty
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I am very NOT perfect.  I have had credit issues just like many others... I have fought back from the brink and suffered setbacks.  And one thing I have learned is that there are NO easy remedies.  You can't make a call, spend $500 and get magically good credit from some dude driving around in a crappy car... or even an expensive car.

A couple of years ago I wrote a post about a Credit Repair company I saw advertised on the back window of an older SUV.  What really ticked me off was that it said...

Get the "Good CREDIT" you DESERVE

It bothered me on several levels.  Feel free to read the post to see exactly why...

  • First, why are there quotes around "Good CREDIT"?
  • And don't most of us HAVE the credit we deserve?  I don't want to sound harsh, but when we don't act responsibly, we don't "deserve" good credit...

There are also some tips on how to get the good credit you desire.

If you want to buy a home, I might suggest talking to a good mortgage lender... I happen to know one.  If you find out that your credit isn't where you expected it, he might be able to help that, too.

 

from LaneBailey.com

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Ambassador
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Karen Crowson
Coldwell Banker Residential Brokerage - Rancho Bernardo, CA
Your Agent for Change

And occasionally people do end up with blots on their record that don't belong to them. I think it's a good course of action to pull your credit once a year and see what condition it's in.  Much easier to keep it healthy then have to deal with a unexpected problem when you don't have the response time to fix it.

Oct 27, 2010 02:11 AM #1
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Larry Bettag
Cherry Creek Mortgage Illinois Residential Mortgage License LMB #0005759 Cherry Creek Mortgage NMLS #: 3001 - Saint Charles, IL
Vice-President of National Production

Lane....home run here.  Protect your credit.  It's one of your most valuable assets!

Oct 27, 2010 02:16 AM #2
Rainmaker
2,394,983
Evelyn Johnston
Friends & Neighbors Real Estate - Elkhart, IN
The People You Know, Like and Trust!

Act responsible AND check your credit with all three agencies each year!

Oct 27, 2010 02:36 AM #3
Rainmaker
275,577
Ken Cook
Content, coding, marketing, host. - Marietta, GA
Content Marketer/Creator

There's an app for that ... and I know who wrote it! So important to present good credit and sometimes that road is long and hard. Generally speaking the short road is the road to perdition and there are, as you indicated, people who will sell a credit score ... dubious at best. Outright fraud at worst.

Oct 27, 2010 03:38 AM #4
Rainmaker
1,431,397
Gene Riemenschneider
Home Point Real Estate - Brentwood, CA
Turning Houses into Homes

Generally Lane I agree with you.  I have had my ups and downs too.  However, I have also had things put on my credit that should not have been there.  Bills I had paid, or in one case I had a judgement against a company and they continued to ding my credit for something the judge said I did not owe. 

Oct 27, 2010 06:37 AM #5
Rainmaker
261,840
Barb & Sal Dragotta
Macomb, MI
Macomb County Michigan

Lane..."Good credit is "Earned",   short, clear, & to the point.  But isn't that the situation out there [here] right now--people think that they deserve so many things.  Don't know how this happened here in America, but we are HERE. 
The "deserving" attitude is bolstered by individuals, groups & organizations who want to have every American & some who are not citizens--just here--to Have the same as those who worked long & / or hard for that which they have.  This "transfer policy of equaling / leveling the playing field" is an insult.  It only serves to keep folks in the position of inability and un-intelligence. 
Many have situations as Gene listed above--that is out of the topic of this post.  No one will be anything but angry with those with examples of stolen ID.

Barb & Sal   

Oct 27, 2010 12:34 PM #6
Rainmaker
187,256
Steve Baklaich
RE/MAX Results St Cloud Mn real estate - Saint Cloud, MN
Treating Buyers & Sellers to Full Service Always.

I get your point and agree with you Lane. Most people have what they deserve on thier credit report. I have had clients who had thier identity stolen, and needed alot of repairs; and many time there is an item erroniously on the report. I have had that happen. But I am amazed when I talk to people who seem angry because the score is bad, but everything on the report is accurate!

Oct 28, 2010 09:17 AM #7
Rainmaker
484,402
Trey Thurmond
BCR Realtors - College Station, TX
College Station , Texas Homes

Lane

Yes ..why are there quotation Marks around "good credit"? That is odd and scary at the same time.

Oct 28, 2010 04:28 PM #8
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