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Friday, June 30, 2017
Friday, June 23, 2017
Tankless water heater
http://homeguides.sfgate.com/determine-required-size-tankless-hot-water-heater-81211.html
Tuesday, June 13, 2017
CREDIT BUREAU INFORMATION
Equifax
P.O. Box 740241
Atlanta, GA 30374
800-685-1111
www.equifax.com
Trans Union
P.O. Box 1000
Chester, PA 19016
800-888-4213
www.transunion.com
Experian
P.O. Box 2002
Allen, TX 75013
888-397-3742
www.experian.com
other helpful credit websites
www.optoutprescreen.com
www.annualcreditreport.com
877-322-8228
www.donotcall.gov
888-382-1222
P.O. Box 740241
Atlanta, GA 30374
800-685-1111
www.equifax.com
Trans Union
P.O. Box 1000
Chester, PA 19016
800-888-4213
www.transunion.com
Experian
P.O. Box 2002
Allen, TX 75013
888-397-3742
www.experian.com
other helpful credit websites
www.optoutprescreen.com
www.annualcreditreport.com
877-322-8228
www.donotcall.gov
888-382-1222
Is credit reporting unfair to minorities?
Is credit reporting unfair to minorities?
According to MyFICO.com scoring considers only credit - related information. Factors such as race, gender, nationality and marital status are not included. The Equal Credit Opportunity Act prohibits lenders from considering this type of information when issuing credit.
According to MyFICO.com scoring considers only credit - related information. Factors such as race, gender, nationality and marital status are not included. The Equal Credit Opportunity Act prohibits lenders from considering this type of information when issuing credit.
Can I get a mortgage loan after a bankruptcy?
Can I get a mortgage loan after a bankruptcy?
Yes you can! Each individual circumstance must be evaluated, but lenders do allow a mortgage loan after a bankruptcy as long as the bankruptcy is discharged a minimum of two years and the circumstance causing the bankruptcy are not likely to occur again. There are contingencies in some cases including an extended waiting period of four years, third party documentation of the cause of credit problems and reestablished credit. You should call a mortgage professional to discuss your individual situation. I am happy to recommend one. Call DebbieSmall, GRI 727-599-4958 or email debbiesmall.net@gmail.com
Yes you can! Each individual circumstance must be evaluated, but lenders do allow a mortgage loan after a bankruptcy as long as the bankruptcy is discharged a minimum of two years and the circumstance causing the bankruptcy are not likely to occur again. There are contingencies in some cases including an extended waiting period of four years, third party documentation of the cause of credit problems and reestablished credit. You should call a mortgage professional to discuss your individual situation. I am happy to recommend one. Call DebbieSmall, GRI 727-599-4958 or email debbiesmall.net@gmail.com
Will a poor credit score ever go away?
Will a poor credit score ever go away?
Your credit score will change gradually as a result of how you handle your credit. A score is just a snap shot and will change gradually with time and as you open and close accounts. Bankruptcies, collections, charge offs and tax liens do eventually fall off in 8-15 years of absolutely no contact with you. If there is contact or the debt is sold the process can start over based on the new date of last activity.
Your credit score will change gradually as a result of how you handle your credit. A score is just a snap shot and will change gradually with time and as you open and close accounts. Bankruptcies, collections, charge offs and tax liens do eventually fall off in 8-15 years of absolutely no contact with you. If there is contact or the debt is sold the process can start over based on the new date of last activity.
Will my credit score drop if I apply for a new loan?
Will my credit score drop if I apply for a new loan?
According to MyFICO.com credit inquiries make up 10% of your credit score. Everything is relative in credit scoring. So, if you are already struggling with a lower score, inquiries will have more of an impact. If your credit history is shorter, inquiries will have more of an impact. Most credit scores are not affected by multiple inquiries from auto or mortgage lenders within a short period of time. Typically these are treated as a single inquiry and will have little impact on the score, if done within 30 days.
According to MyFICO.com credit inquiries make up 10% of your credit score. Everything is relative in credit scoring. So, if you are already struggling with a lower score, inquiries will have more of an impact. If your credit history is shorter, inquiries will have more of an impact. Most credit scores are not affected by multiple inquiries from auto or mortgage lenders within a short period of time. Typically these are treated as a single inquiry and will have little impact on the score, if done within 30 days.
Does my credit score determine whether or not I get a loan?
Does my credit score determine whether or not I get a loan?
A variety of facts determine the lending decision. Your income, employment history, prior housing experience and assets play a vital role in credit approval. Also considered are current lending policies and the type of loan applied for.
A variety of facts determine the lending decision. Your income, employment history, prior housing experience and assets play a vital role in credit approval. Also considered are current lending policies and the type of loan applied for.
CREDIT SCORE
collections remain 7 years from date of initial missed payment that led to collection. paid collections are simply marked as such on report.
charge-off remain 7 years from initial missed payment that led to charge-off even if parameters are later made on the charged off account.
closed accounts are no longer available for further use. they may r may not have a $0 balance. Those with delinquencies remain 7 years from date closed, whether by consumer or creditor. positive closed accounts remain 10 years.
lost credit card: if no delinquencies, those reported lost will continue to be listed for 2 years from date card reported lost. Delinquent payments that occurred before the card wast lost will report for 7 years.
bankruptcy: chapter 7, 11 and 12 remain 10 years from filing date. Accounts included will also remain 7 years.
city, county, state and federal tax liens: unpaid tax liens will remain 15 years from filing date. Paid tax liens will remain 7 years from the paid date of lien.
ARE THE ALTERNATIVES TO FORECLOSURE ANY BETTER AS FAR AS MY FICO SCORE IS CONCERNED?
Are the alternatives to foreclosure any better as fare as my FICO score is concerned?
The common alternatives to foreclosure, such as short sales, and deeds-in-lieu of foreclosure are all "not paid as agreed" accounts and considered the same by your FICO® score. This is not to say that these may not be better options for you from a financial perspective, just that they will be considered no better of worse for your FICO score.
If you are considering bankruptcy as an alternative to foreclosure, that may have a greater impact to your FICO score, While a foreclosure is a single account that you default on, declaring bankruptcy has the opportunity to affect multiple accounts and therefore has the potential to have a greater negative impact on your FICO score. source myFICO.com
The common alternatives to foreclosure, such as short sales, and deeds-in-lieu of foreclosure are all "not paid as agreed" accounts and considered the same by your FICO® score. This is not to say that these may not be better options for you from a financial perspective, just that they will be considered no better of worse for your FICO score.
If you are considering bankruptcy as an alternative to foreclosure, that may have a greater impact to your FICO score, While a foreclosure is a single account that you default on, declaring bankruptcy has the opportunity to affect multiple accounts and therefore has the potential to have a greater negative impact on your FICO score. source myFICO.com
HOW LONG WILL A FORECLOSURE AFFECT MY FICO SCORE?
How long will a foreclosure affect my FICO score?
A foreclosure remains on your credit report for 7 years, but It's impact to your FICO® score will lessen over time. While a foreclosure is considered a very negative event by your FICO score, its a common misconception that it will ruin your score for a very long time. In fact, it you keep all of your other credit obligations in good standing, your FICO score can begin to rebound in as little as 2 years. The important thing to keep in mind is that a foreclosure in a single negative item, and if you keep this item isolated, it will be much less damaging to your FICO score than if you had a foreclosure in addition to defaulting on other credit obligations.
source myFICO.com
A foreclosure remains on your credit report for 7 years, but It's impact to your FICO® score will lessen over time. While a foreclosure is considered a very negative event by your FICO score, its a common misconception that it will ruin your score for a very long time. In fact, it you keep all of your other credit obligations in good standing, your FICO score can begin to rebound in as little as 2 years. The important thing to keep in mind is that a foreclosure in a single negative item, and if you keep this item isolated, it will be much less damaging to your FICO score than if you had a foreclosure in addition to defaulting on other credit obligations.
source myFICO.com
credit scores - understanding your credit score HOW MISTAKES AFFECT FICO
Mortgage - (FICO)
Equifax
Transunion
Experian
Consumer
freecreditscore.com
triplescore.com
annualcreditreport.com
What is your FICO Score?
payment history 35%
amounts owed 30%
length of credit history 15%
credit use 10%
new credit 10%
PARTIAL CREDIT BUREAU SCORECARD
ATTRIBUTES POINTS
number of bank credit cards
0 15
1 22
2 {30}
3 40*
4+ 30
number of inquiries last month 0 75*
1 55
2+ {40}
number of months on file
-12 12
12-23 {35}
24-47 60*
48+ 75*
number of months since most recent bank card opening
no bank cards 32
bank card,not open date 40
0-5 {20}
6-11 25
12-17 30
18-23 38
24+ 45*
number of months since most recent derogatory public record
no public record {75*}
0-5 10
6-11 15
12-23 25
24+ 49
*represents the maximum points possible
{} represents the actual points received
©195,Fair, Isaac and Co, Inc
HOW MISTAKES AFFECT FICO
CREDIT MISTAKE IF YOUR SCORE IS 680 IF YOUR SCORE IS 780
maxed out card down 10-30 points down 25-45 points
30 days late payment down 60-80 points down 25-45 points
debt settlement down 45-65 points down 140-160 points
foreclosure down 85-105 points down 140-160 points
bankruptcy down 130-150 points down 220-240 points
Equifax
Transunion
Experian
Consumer
freecreditscore.com
triplescore.com
annualcreditreport.com
What is your FICO Score?
payment history 35%
amounts owed 30%
length of credit history 15%
credit use 10%
new credit 10%
PARTIAL CREDIT BUREAU SCORECARD
ATTRIBUTES POINTS
number of bank credit cards
0 15
1 22
2 {30}
3 40*
4+ 30
number of inquiries last month 0 75*
1 55
2+ {40}
number of months on file
-12 12
12-23 {35}
24-47 60*
48+ 75*
number of months since most recent bank card opening
no bank cards 32
bank card,not open date 40
0-5 {20}
6-11 25
12-17 30
18-23 38
24+ 45*
number of months since most recent derogatory public record
no public record {75*}
0-5 10
6-11 15
12-23 25
24+ 49
*represents the maximum points possible
{} represents the actual points received
©195,Fair, Isaac and Co, Inc
HOW MISTAKES AFFECT FICO
CREDIT MISTAKE IF YOUR SCORE IS 680 IF YOUR SCORE IS 780
maxed out card down 10-30 points down 25-45 points
30 days late payment down 60-80 points down 25-45 points
debt settlement down 45-65 points down 140-160 points
foreclosure down 85-105 points down 140-160 points
bankruptcy down 130-150 points down 220-240 points
To thins own self be true
Polonius:
This above all: to thine own self be true,
And it must follow, as the night the day,
Thou canst not then be false to any man.
Farewell, my blessing season this in thee!
Laertes:
Most humbly do I take my leave, my lord.
Hamlet Act 1, scene 3, 78–82
Friday, June 9, 2017
Thursday, June 1, 2017
How to adjust preferances on Google Android device
https://www.howtogeek.com/204543/how-to-turn-off-sound-and-vibration-in-androids-keyboard/
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