http://realtytimes.com/rtpages/20120106_rates.htm

Updated information on Mortgages today.

Your credit score, from about 350(poor) to 800(excellent) is a numerical rendition of your credit report. The higher your score, the more likely you will get approved for credit and the more likely you will get the best rate and terms. negative actions posted to your credit report, take a bite out of your credit score. Listed below are the seven worst things you can do to your credit score.
1. Deadbeat behavior: Frequent, significant and late payments 30 days, 60 days, 90 days late. Do not believe a 30 day late payment will not hurt. It may ruin your credit but it is not helpful and can remain on your report for years.
2. Collection activity: When the lender gets tired of deadbeat behavior it will call out the dogs.. a third party collection agency. The collection agency will report collection activity to the credit bureaus and again, seven years of bad luck.
3. Charge offs: If the lender gives up on your collection case, acknowledging you will never pay the bill, it charges off the debt and puts your credit report on notice for seven years.
4. Public recordings: Bankruptcy, tax liens, judgements and lthe like killers for your credit rating. Bankruptcies can dog your credit report for 10 years and unpaid tax liens never go away.
5. Settlements: If you pay a portion of the debt to your lender in a settlement, say a some of the mortgage in a short sale, you can get a settlement notice on your credit report card for seven years. Credit cards and other debts, like wise can be settled, with negative impact to your credit report.
6. Foreclosures: If you can not or will pay your mortgage lender will eventually foreclose and relieve you of your home. Another seven year negative notification willl drag drown your score. The same applies when you give the home to the lender in a deed-in-lieu of foreclosure.
7. Repossession: When you do not pay your vehical loans a bounty hunter will be coming your way. He or she is not coming after you, but your vehical, and that’s often with notice, after you have been dunned for awhile. It is all legal.

Home Buying Worksheet
Prepare yourself by answering the questions before you head out house hunting.
1. Do you know your housing budget?
2. Have you been approved for a loan?
3. What type of home would you like? Resale or New?
4. Min. square footage and max. square footage
5. Number of bedrooms?
6. Number of baths?
7. Do you want a formal dining room/living room?
8. Do you desire an eat in kitchen?
9. Do you need a home office?
10. Do you need a bonus room?
11. What do you want in your master suite?
12. Do you want/need a garage? What size?
13. Do you desire a deck or patio?
14. Is a pool a requirement or just an added bonus?
15. How much of a lot do you want?
16. Is there a certain area of town where you want to live?

http://www.youtube.com/watch?v=uILQZBDJC48

Linda Hall and grandson Kaleb saturday morning at Lifepointe Church. Upward Basketball League is a christian organization and children k-8th participate in the sport. Children also learn how God plays a big part in our lives everyday.

http://realtytimes.com/rtpages/20100614_maintenance.htm

Read this and make a copy for your files. You may need these helpful tips one day.

1.Do not sign the back of your credit cards. Instead put ‘photo ID required.’

2. When you are writing checks to pay on your credit card account, Do not put the complete account number on the ‘For line’. The credit card company knows the rest of the number, and anyone who might be handling your check as it passes through all the check processing channels won’t have access to it.

3. Put your work phone number on your checks instead of your home phone. If you have a PO Box use that instead of your home address. If you do not have PO Box, use your work address. Never have your SS# printed on your checks. You can add it if it is necessary. But if you have it printed, anyone can get it.

4. Place the contents of your wallet on a photocopy machine. Do both sides of each license, credit card, etc. You will know what you had in your wallet and all of the account numbers and phone numbers to call and cancel. Keep the photocopy in a safe place.

Always carry a photocopy of your passport when traveling either here or abroad. We have all heard horror stories about fraud that’s committed on us in stealing a name, address, social security, and credit cards. If someone steals your information, here is some critical information to limit the damage.

5. We have been told we should cancel our credit cards immediately. But the key is having the toll free numbers and your card numbers handy so you know whom to call. Keep those where you can find them.

6.File a police report immediately in the jurisdiction where your credit cards, etc., were stolen. This proves to credit providers you were diligent, and it this is a first step toward an investigation (if there ever is one).

But here is what is perhaps most important of all:

7. Call the three national credit reporting organizations immediately to place a fraud alert on your name and also call the social security fraud line number. The alert means any company that checks credit knows your information was stolen, and they have to contact you by phone to authorize new credit.