I s su e 13 , Vo lu me 1 0 / Mar c h 9 , 2 0 12Six Valuable Credit Score TipsTim McLaughlin 3/13 JOLT’s Job Openings - 3376 3/13 Business Inventories 0.6% 0.4% With the spring market upon us, and rates at historicallylow levels, both potential buyers and existing homeowners are 3/13 FOMC Rate Decision 0.25% 0.25%looking for opportunities to acquire a new mortgage orrefinance an existing one. One critical piece of information you 3/14 MBA Mortgage Applications - -1.2%need to know to get approved and to know where your interestrate will be priced is “what is your credit score”. Below are six 3/14 Import Price Index (MoM) 0.6% 0.3%simple tips in managing and getting insight: 3/14 Import Price Index (YoY) 5.6% 7.1%- Dont try to manage your score on a daily or weekly basis. If 3/14 Current Account Balance -$114.2B -$110.3Byou wait for the full 30-day cycle, all your information will haveupdated and will be the best representation. 3/15 Empire Manufacturing 17.40 19.53- If you want to purchase a home or car in the next year, look 3/15 PPI (MoM) 0.5% 0.1%at your credit score now and make moves to improve it bypaying off debt in a timely manner. 3/15 ex Food/Energy 0.2% 0.4%- Your credit reports may contain errors. If you contest 3/15 PPI (YoY) 3.1% 4.1%something in your report, it freezes that information until a 3/15 ex Food/Energy 2.9% 3.0%decision has been made. 3/15 Initial Jobless Claims 355K 362K- A foreclosure or bankruptcy filing will lower your scoresignificantly and affect you for about seven to 10 years. 3/15 Continuing Claims - 3416K- A missed mortgage payment will set off alarms, especially if 3/15 Total Net TIC Flows - $87.1Byour payment history has been pristine until then, but a latecredit-card payment can be more easily fixed by consecutive 3/15 Net Long Term TIC Flows - $17.9Bmonths of good payment behavior. 3/15 BB Consumer Comfort - -36.7- Get pre-approved by your knowledgeable Weichert FinancialGold Servicers Manager to be ready to purchase that house of 3/15 Philly Fed Survey 11.0 10.2your dreams or refinance an existing one…we can help! 3/16 CPI (MoM) 0.4% 0.2% 3/16 ex Food/Energy 0.2% 0.2% The Week Ahead -> The “Keys” 3/16 CPI (YoY) 2.9% 2.9% - The Fed and Inflation Data Highlight The Week Ahead 3/16 ex Food Energy 2.2% 2.3% Date Economic Release Prediction Last 3/16 CPI NSA - 226.67 3/13 Advance Retail Sales 1.0% 0.4% 3/16 CPI Core Index SA - 227.68 3/13 less Autos 0.7% 0.7% 3/16 Industrial Production 0.4% 0.0% 3/13 less Autos and Gas 0.5% 0.6% 3/16 Capacity Utilization 78.8% 78.5% 3/13 IBD/TIPP Eco Optimism 50.3 49.4 3/16 U of Michigan Confidence 75.6 75.3 Mortgage Access Corp. d/b/a Weichert Financial Services, Executive Offices, 225 Littleton Road, Morris Plains, NJ 07950. 1-800-829-CASH. NMLS Company ID: 2731. Licensed by the NJ Dept of Banking and Insurance. Licensed Mortgage Banker with the State Dept of Banking in NY and CT. Licensed by the Pennsylvania Department of Banking, Mortgage Lender 21042. Licensed Lender in AK, AR, DE, MD, D.C., GA, ME, MI, MN, WI, IA, IL, IN, LA, VT, FL, WV, RI, KY, NC, ID, MS, NE, WY, OK,TN, WA. Licensed by the Virginia State Corporation Commission, License #ML105. Licensed Mortgage Lender in the Commonwealth of Massachusetts. License #ML1713, Certificate #43155. Certificate of Authority to transact business in CO, SC. Registered Mortgage Lender in TX. Licensed with the Financial Institutions Division in New Mexico, License # 01297. Licensed by the Department of Corporations under the California Residential Mortgage Lending Act. Licensed Mortgage Broker and Lender Ohio. Licensed Loan Broker and Lender Rhode Island. Kansas Licensed Mortgage Company, License #MC.0001229. Licensed by the New Hampshire Banking Department, License # 8714-MB. Licensed Oregon Mortgage Lender License #ML2528. Weichert Financial Services arranges loans with third-party providers. Equal Housing Lender.