This document provides information about understanding credit scores. It discusses the purpose of credit reports, the information included in credit reports, factors that affect credit scores, how to obtain credit reports, and tips for credit repair. Specifically, it notes that credit reports are used to assess credit risk, include personal information and payment history, and credit scores range from 300-850. Payment history, debt amounts, credit history length, new credit, and credit types are the main factors impacting credit scores.
Why Guaranteed Rate? We offer some of the best support, tools, and resources to grow your business....as well as an efficient operations staff to maintain and streamline your pipeline. There is a reason why the nation's top producing loan officers CHOOSE Guaranteed Rate.
Become a VP of Mortgage Lending at Guaranteed Ratejoelrich
Take a closer look at the #1 Mortgage platform in the nation. Are you ready to take your mortgage origination career to a whole other realm as a VP of Mortgage Lending?
Why Guaranteed Rate? We offer some of the best support, tools, and resources to grow your business....as well as an efficient operations staff to maintain and streamline your pipeline. There is a reason why the nation's top producing loan officers CHOOSE Guaranteed Rate.
Become a VP of Mortgage Lending at Guaranteed Ratejoelrich
Take a closer look at the #1 Mortgage platform in the nation. Are you ready to take your mortgage origination career to a whole other realm as a VP of Mortgage Lending?
Buying a home is a process. First determine your price goal. If you are an All Cash buyer, the next step is to contact a REALTOR to assist you. If you need a home loan, contact a lender.Then contact a REALTOR. The attached flow chart should help you, the buyer, to understand the process. JoeMyRealtor.com
If you are looking for affordable home loan in Killeen, TX, consider Greater Central Texas Federal Credit Union. The staff at the credit union assists the clients in understanding the different loan plans and choosing the one that suits their budget. To know more about the home loans provided in Killeen, visit www.gctfcu.net
Why work with William Doom of loanDepotWilliam Doom
Benefits of working with loanDepot to secure your home financing. Learn how we are helping real estate professionals grow their business and consumers secure their dream of homeownership.
The Loan Estimate: This form will be provided to consumers within three business days after they submit a loan application. It replaces the early Truth in Lending statement and the Good Faith Estimate, and provides a summary of the key loan terms and estimated loan and closing costs. Consumers can use this new form to compare the costs and features of different loans.
Call 502-689-1001
90 Day Money Back Warranty- You will have repairs or deletions or you will get 100% refund
I work on every item every time
Certified Credit Expert
Published Author "Help Me Fix My Credit Scores"
Post-Election 2016: What's on the horizon for the financial services industry?Experian
Election season is over, and for the first time in eight years we will have a new administration in the White House. So what’s in store for the financial services space? This presentation reveals insights from experts in Washington on what to expect from regulators over the next year.
Buying a home is a process. First determine your price goal. If you are an All Cash buyer, the next step is to contact a REALTOR to assist you. If you need a home loan, contact a lender.Then contact a REALTOR. The attached flow chart should help you, the buyer, to understand the process. JoeMyRealtor.com
If you are looking for affordable home loan in Killeen, TX, consider Greater Central Texas Federal Credit Union. The staff at the credit union assists the clients in understanding the different loan plans and choosing the one that suits their budget. To know more about the home loans provided in Killeen, visit www.gctfcu.net
Why work with William Doom of loanDepotWilliam Doom
Benefits of working with loanDepot to secure your home financing. Learn how we are helping real estate professionals grow their business and consumers secure their dream of homeownership.
The Loan Estimate: This form will be provided to consumers within three business days after they submit a loan application. It replaces the early Truth in Lending statement and the Good Faith Estimate, and provides a summary of the key loan terms and estimated loan and closing costs. Consumers can use this new form to compare the costs and features of different loans.
Call 502-689-1001
90 Day Money Back Warranty- You will have repairs or deletions or you will get 100% refund
I work on every item every time
Certified Credit Expert
Published Author "Help Me Fix My Credit Scores"
Post-Election 2016: What's on the horizon for the financial services industry?Experian
Election season is over, and for the first time in eight years we will have a new administration in the White House. So what’s in store for the financial services space? This presentation reveals insights from experts in Washington on what to expect from regulators over the next year.
Credit Reports & Scoring is designed to help individuals understand their role and responsibilities when viewing credit reports. It will prepare Mortgage Loan Originators with the required knowledge in order to successfully analyze a borrower's credit report. You will obtain a clear understanding of the types of credit reports and how to access these reports. For more info: www.nafcu.org/genworth
Credit Repair Education for Libraries 6.15.19Victor Johnson
Victor Vonico Johnson, as General Partner for Credit Restoration Mentors, conducts a talk at a Carrollton Texas Library to educate the community about the benefits of good credit, and how to achieve it.
Credit Scores: What's New
Tuesday, May 3, 11 a.m.-12:30 p.m. ET
This 90-minute webinar will present findings from Experian Public Education Director Rod Griffin and Dr. Barbara O'Neill. This webinar will cover the fundamentals of credit reporting and credit scoring and what you must do to get the credit you want and need.
Speakers: Dr. Barbara O'Neill and Rod Griffin
Register, join & find supporting resources: https://learn.extension.org/events/2488
Credit score or CIBIL score is a financial repayment history behavior of Individual or Business.
Why is your credit score important:
All banks and financial institutions are giving loan on the basis of credit score. Grounded along the score value they finalize credit worthiness of individual or business.
to know more visit : www.waytobank.com
Today's Realities, "Think About It . . . What Would It Be Worth? clyde leverett jr
* Toughest financial era since the Great Depression
* Average US debt is over $16,000 excluding mortgages
* More than one-in-four Americans have no savings / 49%
have no retirement
* Only 18% know they are on track to reach their income
goal in retirement (Source: Forbes)
* 65% have no will, 82% have no trust & 71% have no
power of attorney (Source: Lawyers.com, 2009)
* Every 3 seconds an identity is stolen (Source: Javelin
Strategy & Research Identity Fraud Survey Report,
* About 43 million people have a 599 credit score or lower
Understanding your credit.Why is important to understand your credit, how to create a behavior to maintain control over your score.Good Credit is less debts
how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
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how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
Introduction to Indian Financial System ()Avanish Goel
The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
Empowering the Unbanked: The Vital Role of NBFCs in Promoting Financial Inclu...Vighnesh Shashtri
In India, financial inclusion remains a critical challenge, with a significant portion of the population still unbanked. Non-Banking Financial Companies (NBFCs) have emerged as key players in bridging this gap by providing financial services to those often overlooked by traditional banking institutions. This article delves into how NBFCs are fostering financial inclusion and empowering the unbanked.
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US Economic Outlook - Being Decided - M Capital Group August 2021.pdfpchutichetpong
The U.S. economy is continuing its impressive recovery from the COVID-19 pandemic and not slowing down despite re-occurring bumps. The U.S. savings rate reached its highest ever recorded level at 34% in April 2020 and Americans seem ready to spend. The sectors that had been hurt the most by the pandemic specifically reduced consumer spending, like retail, leisure, hospitality, and travel, are now experiencing massive growth in revenue and job openings.
Could this growth lead to a “Roaring Twenties”? As quickly as the U.S. economy contracted, experiencing a 9.1% drop in economic output relative to the business cycle in Q2 2020, the largest in recorded history, it has rebounded beyond expectations. This surprising growth seems to be fueled by the U.S. government’s aggressive fiscal and monetary policies, and an increase in consumer spending as mobility restrictions are lifted. Unemployment rates between June 2020 and June 2021 decreased by 5.2%, while the demand for labor is increasing, coupled with increasing wages to incentivize Americans to rejoin the labor force. Schools and businesses are expected to fully reopen soon. In parallel, vaccination rates across the country and the world continue to rise, with full vaccination rates of 50% and 14.8% respectively.
However, it is not completely smooth sailing from here. According to M Capital Group, the main risks that threaten the continued growth of the U.S. economy are inflation, unsettled trade relations, and another wave of Covid-19 mutations that could shut down the world again. Have we learned from the past year of COVID-19 and adapted our economy accordingly?
“In order for the U.S. economy to continue growing, whether there is another wave or not, the U.S. needs to focus on diversifying supply chains, supporting business investment, and maintaining consumer spending,” says Grace Feeley, a research analyst at M Capital Group.
While the economic indicators are positive, the risks are coming closer to manifesting and threatening such growth. The new variants spreading throughout the world, Delta, Lambda, and Gamma, are vaccine-resistant and muddy the predictions made about the economy and health of the country. These variants bring back the feeling of uncertainty that has wreaked havoc not only on the stock market but the mindset of people around the world. MCG provides unique insight on how to mitigate these risks to possibly ensure a bright economic future.
how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
2. • Guaranteed Rate was founded in 2000 by President and CEO Victor Ciardelli
• Since 2000 GR has had double-digit growth each year, becoming the 2nd
largest independent mortgage company in the nation!
• Headquartered in Chicago, with more than 2,500 employees companywide,
with more than 140 offices Nationwide
• Licensed in 49 states plus Washington D.C.
• Closed Loan Volume of more than $14.5 Billion for 2012
About Guaranteed Rate
3. Agenda
• Credit report purpose
• Information included on a credit report
• Credit score factors
• How to get a copy of your credit report
• Credit repair process
4. Credit Report Purpose
• Provides a history of your credit use to
prospective lenders
• Allows lenders to assess risk of extending credit
to you
• Used for all forms of credit, including apartment
rental, credit cards, student loans, car & home
loans, etc.
5. Establishing Credit
• Apply for credit card with a reasonable limit
• Buy something for approx. $100, and pay back in
2 months
• Do it again, and make sure to pay on time!
• 4 trade lines will be needed to obtain a mortgage
• 12 months of activity are needed to develop
credit history
6. What Information is Included in a
Credit Report?
• Personal Info: name, address, date of birth, employer
• Credit Account History: credit card company/lender,
type of account, credit limit, balance, payment
history
• Public Records: bankruptcy, tax liens, and judgments
• Credit Inquiries: creditor and date of inquiry
7. What is a Credit Score?
• Summary of credit report info represented as a single
number, based on a mathematical calculation
• FICO (Fair, Isaac, & Co.) most common score type
• FICO scores range from 300 – 850; the higher the
better
• Predict future payment history for creditors
• Scores are “fluid” – recalculated each inquiry
8. Credit Score Factors
• Payment History: 35%
• Amount Owned: 30%
• Length of Credit History: 15%
• New Credit: 10%
• Type of Credit Used: 10%
100%
9. Getting Credit Reports
• There are 3 credit bureaus and each has a credit score for
you (scores may be different)
• Equifax 800-685-1111 or www.equifax.com
• Experian 888-397-3742 or www.experian.com
• TransUnion 800-888-4213 or www.transunion.com
• ** For a free credit report, go to: www.annualcreditreport.com **
10. How to Use Your FICO
• If denied credit, ask lender for “score reasons”
• Up to 4 score reasons provided with your FICO that
explains why the score isn’t higher, such as:
• Number of accounts with delinquency
• Amount owed on accounts
• Too many accounts with balances
• Understanding these reasons can help improve your FICO over time
11. Credit Score Cautions
• Debt settlement and debt management plans may
hurt your credit for at least 2 years, especially to a
mortgage lender
• Once you’ve received a pre-approval from your
mortgage lender, it’s important not to make any
other credit purchases that could negatively impact
your score. This will be checked 2 days prior to
closing, and could impact your approval.
12. Credit Score Cautions
• Mortgage lenders now require a “soft pull”
credit inquiry (FICO score not pulled) to be
pulled upon submission of clear to close
conditions. If new debt has been obtained, the
loan file must be reevaluated thru AUS to
ensure compliance with DTI and borrower
eligibility requirements.
13. Credit Repair
• You cannot “repair” poor credit
• Derogatory credit remains on your report for up to 10 years
• Avoid paying for credit repair services guaranteeing to fix
poor credit
• You can correct inaccurate information
• Dispute incorrect credit information
• Update personal information
• You can improve credit behavior (limit credit lines & balances,
pay on time)
14. Credit Help
• American Consumer Credit Counseling:
• www.consumercredit.com
• 800-769-3571
• National Foundation for Credit Counseling:
• www.nfcc.org
• 800-388-2227
15. Social Media
• Monthly social media webinars geared solely toward
Realtors
– New topic every month
– Prize giveaways
– Q&A