Credit Repair - The 4 main reasons to "clean up" (fix) your credit

Reason #1 - Clean Credit Almost Always Means Better Interest Rates

Lower interest rates on personal loans, credit cards, mortgages, auto loans and more.
Interest rates are considerably based upon a combination of your credit history and credit score, which is actually calculated by comparing the positive and/or negative listings within your credit report.
Having a "cleaner" credit report will statistically result in a higher overall credit score and will qualify you for lower interest rates. Save money on credit card purchases and loan payments by having a cleaner credit score thus lowering your interest rates.

Reason #2 – Clean Credit Reports Make for a Higher Rate of Loan Approval
Let's face it, our economy is in bad shape. This means that more Americans are getting turned away from auto, home, personal and home improvement loans every day. A good way to make sure you get the loan you are applying for is to know that your credit report is clean and accurate. It's an ugly truth but hard working Americans get denied thousands of loans simply based on inaccurate information found on their credit reports. This inaccurate information may be challenged or disputed; and if proven to be inaccurate, they can all be dropped entirely from your credit report. In most cases, this directly increases your credit score thus increasing your odds of getting approved for that home or auto loan you've been wanting.

Reason #3 - Some Employers Require Clean Credit Reports
Many employment opportunities are available for people who possess high credit scores. Many of these jobs even require that some employees have full access to other individuals' personal financial information. Taking the necessary steps in order to clean your credit up will ensure you don't get turned down for any employment opportunity solely based on your credit score.

Reason #4 - Clean Credit Feels Good
Generally speaking, living with a lower than average credit score has an impact on many individuals' self esteem and confidence. Possessing a lower level of confidence can also directly affect many aspects of your daily life. Clean up your credit and improve your credit report either on your own or with the assistance of a credit repair professional and keep the idea of having a bad credit score far away from impacting your family's life, happiness and well-being.

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Corpus Christi Credit Repair

BAD CREDIT? We can help! Strategic Finance has helped thousands like your self restore their credit and return to their comfortable life style. Your credit score isn't just another number, it is the only number anyone who is going to lend you money will really ever see and trust. So if you’re looking to lower your monthly bills and lead a healthier stress free life, then Strategic Finance can help. Visit our site, www.cccreditrepair.com or Call for a Free Credit Consultation and a credit specialist will answer any credit questions you may have.

Flash Web Design & Full Service Hosting

You may not have the knowledge or maybe you just don't have the time to create a website for your business, but make no mistake, you need one and we can help. Just give us some input on what you want and the content you need and we can put it together. Not only do we build websites, we'll also host and maintain your site which also includes your own domain name (yourbusinessname.com). You never even have to login, we will manage your website so you can focus on your business. The only skills you need is 'emailing'. If you have a change or need an update, just send us an email.

http://www.facebook.com/pages/CorpusChristiWebmastercom/329934033699353

Corpus Christi Home for Sale by Owner Financing

Home for Sale with Owner Financing! -  No Credit Check!


3842 Emu Corpus Christi TX 78414


Beautiful home for sale by owner in the Greystone subdivision, an upscale neighborhood in Southside Corpus Christi TX. This is a 4/2/2 stucco home built in 2007 with a large backyard, open floor plan, formal dining room, granite counter tops in kitchen and baths, stainless appliances, high ceilings, 2in wood blinds, tile, new carpet and 1972 sf. 4th bedroom can be used as office.


$239,000.00

10% down

$2,000/month (includes taxes & insurance) 

For more details or to schedule a viewing, please email or call. (361) 658-0200

http://mlsofcc.com/for-sale-by-owner-financing.html

6 Tips for Choosing the Best Offer for Your Corpus Christi Home

1. Understand the process


All offers are negotiable, as your agent will tell you. When you receive an offer, you can accept it, reject it, or respond by asking that terms be modified, which is called making a counteroffer.



2. Set baselines

Decide in advance what terms are most important to you. For instance, if price is most important, you may need to be flexible on your closing date. Or if you want certainty that the transaction won’t fall apart because the buyer can’t get a mortgage, require a prequalified or cash buyer.



3. Create an offer review process

If you think your home will receive multiple offers, work with your agent to establish a time frame during which buyers must submit offers. That gives your agent time to market your home to as many potential buyers as possible, and you time to review all the offers you receive.



4. Don’t take offers personally

Selling your home can be emotional. But it’s simply a business transaction, and you should treat it that way. If your agent tells you a buyer complained that your kitchen is horribly outdated, justifying a lowball offer, don’t be offended. Consider it a sign the buyer is interested and understand that those comments are a negotiating tactic. Negotiate in kind.



5. Review every term

Carefully evaluate all the terms of each offer. Price is important, but so are other terms. Is the buyer asking for property or fixtures—such as appliances, furniture, or window treatments—to be included in the sale that you plan to take with you?



Is the amount of earnest money the buyer proposes to deposit toward the downpayment sufficient? The lower the earnest money, the less painful it will be for the buyer to forfeit those funds by walking away from the purchase if problems arise.



Have the buyers attached a prequalification or pre-approval letter, which means they’ve already been approved for financing? Or does the offer include a financing or other contingency? If so, the buyers can walk away from the deal if they can't get a mortgage, and they'll take their earnest money back, too. Are you comfortable with that uncertainty?



Is the buyer asking you to make concessions, like covering some closing costs? Are you willing, and can you afford to do that? Does the buyer’s proposed closing date mesh with your timeline?



With each factor, ask yourself: Is this a deal breaker, or can I compromise to achieve my ultimate goal of closing the sale?



6. Be creative

If you’ve received an unacceptable offer through your agent, ask questions to determine what’s most important to the buyer and see if you can meet that need. You may learn the buyer has to move quickly. That may allow you to stand firm on price but offer to close quickly. The key to successfully negotiating the sale is to remain flexible.

NEW LISTING: Waterfront Home in The Lakes subdivision of Corpus Christi

Very well maintained two story waterfront home with a beautiful view of the lake. This home features four bedrooms three full baths two living areas big kitchen with granite countertops, island and large eating area in kitchen overlooking the backyard and lake. All bedrooms are good size and home has 2in window blinds throughout. Roof replaced +/- 6 years ago and recent wood laminate flooring. Porch swing overlooks landscaped yard with HOA club house tennis & swimming pool right across the street!





7505 Venice, 78413
MLS #170847
$249,900

Call me if you have any questions or would like to set up a tour!

Brandon Perkins (361) 658-0200
REALTOR®

Need a loan, but the bank is not an option?

Home Improvement, Need a vacation, Business startup, Debt consolidation, Medical Expenses, Wedding and even Personal Loans have never been easier....You don't need the bank to get a loan!