3 productivity hacks that’ll make next year a breeze

Over time an agent earns honorary degrees in contracts, negotiation, counseling, patience and juggling — the art of keeping many things in the air at once …

3 productivity hacks that’ll make next year a breeze

Over time an agent earns honorary degrees in contracts, negotiation, counseling, patience and juggling — the art of keeping many things in the air at once …

Equifax breach exposes 143M Americans’ private information

The credit reporting firm, which serves approximately half of the U.S. population, says 143 million consumers birthdays, Social Security numbers, addresses, and driver’s license numbers were exposed in addition to 209,000 credit card numbers and 182,00…

Expanded Data Key to Opening Up Mortgage Credit

Trended credit data, which offers an expanded perspective to lenders evaluating a credit applicant, could be key to opening up mortgage credit accessibility, according to an analysis by Equifax, one of the three major credit reporting bureaus. The analysis found that the use of trended credit data—an indicator of behavior beyond the traditional credit report—could […]

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Why the FICO score desperately needs a makeover

It matters to you how much interest you pay when getting yourself a mortgage, but do you care how much your clients pay in interest cost when they’re buying a home? The truth is, as long they qualify for a loan, you probably don’t care …

Failing to pay HOA fees can now harm your credit score

When you look outside and see maintenance diligently shoveling when it’s below zero or expertly manicuring the lawn that you barely have time to mow, you might thank your lucky stars for that homeowners’ association. But it doesn’t take long for the bl…

Credit scores are a joke

Did you know that the same credit bureau could report three wildly different numbers for your credit score on the same day? More importantly, what steps can you take to improve your personal score and help your clients navigate their way to a final loa…

Why do Californians pay more for a credit report security freeze?

Credit Report Security Freeze is basically taking control of our historical data at the three CRAs (Experian, Equifax and TransUnion). Requesting a Credit Report Security Freeze (CRSF) is a good idea for everyone. However, it’s imperative to a person who receives notice of a data breach. CRSF is the only tool to truly shield ourselves from, and lessen the damages of an actual identity theft …

Is a fraud alert or security freeze better after a data breach?

I have to admit first; but my 25-year-old son Sammy asked for my advice. He’s a T-Mobile customer. He wanted to know if he should sign up for the two-years-free monitoring service — fraud alert — presently being offered by Experian. I described to hi…

Do you know your FICO score?

When a first-time homebuyer purchases a credit score on the recommendation of a reputable financial institution, he or she will be under the pretense that it’s the same score that will be used when a lender underwrites their loan. Furthermore, advisin…