*******************
Today's tip will help you whether you are buying a new house, a new car, a cell phone, or applying for homeowners insurance!
With the rapidly changing conditions we've seen in the real estate and mortgage industries, it's critical to keep your credit score as high as possible.
Some employers pull credit reports on job applicants, so it will even help there.
These quick tips will help increase your overall credit score.
First, never cancel a credit card that is more than 2 years old. Having a "seasoned" account, one that is more than 2 years old is a big plus for you.
Next, increase your maximum allowable credit limit. In other words, if you have a credit card that is close to its maximum balance, call the credit card company and ask them to increase the credit limit.
The credit bureaus don't like to see "maxed out" credit. Tell them you would like them to do this without pulling your credit.
In addition to this, spread out your balances among your cards trying to keep the ratio between card balances and credit limit to 30% or less.
For example, let's say you have 3 credit cards and $3,000 in credit card debt. If all the cards have limits of say $4,000, it would be best to put $1,000 on each of the cards than to have just 1 of those cards with the full $3000 balance.
Finally, be sure to pay your bills on time. The number one reason for a low credit score is late payments.
And here's a scary fact. Studies show that 79% of all credit reports have errors on them. 79%!!! That's almost 8 out of every 10 reports. That almost sounds criminal, but it's true.
If you are even considering buying a new home or refinancing, let's take a look and see if we need to do some "homework" to build your credit score up to its highest possible point. Since lower scores mean higher interest rates, even a few lost points on your credit score could cost you tens of thousands of dollars in wasted interest payments.
Don't wait, give me a call soon to talk about your options.
You see, our relationship doesn't end when I help you find a beautiful home for your family; that's really just the beginning. Although I am here to make sure you get to the closing table with no surprises, I also want to help improve the quality of your life and to save you some of your hard earned money. And when your family grow's, or you decide to invest in another property, I want to be there to help you then too!
Thanks again for letting me enter your world each week and thanks for the referrals of your friends and family members. I appreciate it and so do they, I promise you that!
Sincerely,
Ken
951-760-3833
CA DRE License #01418440
***********************
Monday, October 3, 2011
Friday, July 15, 2011
Did you know that credit bureaus sell your info without telling you?
*************************
As most of you know, there is a "Do Not Call List" that the government set up a few years ago. If you are on the do not call list, telemarketers cannot call you or they get an $11,000 fine. This has really cut down on the telemarketing.
This is not the golden nugget I want to give you today but if you have not signed up for this yet, the link is right here http://www.donotcall.gov/.
Now here's the real insider secret. I bet you didn't know there is a "Do Not Send Me Junk Credit Card and Junk Mortgage" offers List.
You see the big credit bureaus sell your credit information to credit card companies and mortgage companies without your permission. You then get all of those confusing letters, many of them trying to trick you into thinking they are your current credit card or mortgage company. There has been a big push to get the big 3 credit bureau's, Trans-union, Equifax, and Experian to stop this invasion of your privacy. But they are fighting it tooth and nail because they get big money for selling your private credit information without your permission.
So far, the only way to force them to stop selling your information to all of those strangers is for you to tell them not to. They have created a link for you to do this which is: http://www.optoutprescreen.com/ .
I laughed when I saw the website that they've set up for you to get your name removed. They make it sound like they are selling your private credit information to just anybody that pays them the big bucks, for your benefit.
This tip has pulled back the curtain and you can see what's behind it. I have a friend who signed up for this about 6 months ago and the amount of junk credit mail and mortgage mail he has received has plummeted! Now the stuff he gets in the mail has a lot better chance of really being from his current credit card companies or current mortgage company.
As a side benefit, this action will actually raise your credit score because the credit bureaus computer system sees this as a responsible thing to do, thus raising your score. Isn't that interesting!!
Here's another very important point that I've mentioned before; now is a great time to be looking for the house you've always wanted, but never thought you could afford! It's still a buyer's market, and I'm here to help you!
Don't forget, to cut down on this avalanche of junk mail, simply click on that link right there and you can get off the mailing list and the invasion of your privacy. When you go to the website, choose the 5 year opt out. It is very easy, you can do it with just a few clicks, and it works!!!! If you need any help with it, just give me a buzz and I'll talk you through it.
This is just another way I'm here to help you! Don't forget to forward this tip to your friend's, they'll love you for it.
They'll also love you if you give them my name when they are thinking about buying or selling a home. Thanks for letting me help you, your friends and your family. Have a great rest of the week!
Sincerely,
Ken
951-760-3833
**************************
As most of you know, there is a "Do Not Call List" that the government set up a few years ago. If you are on the do not call list, telemarketers cannot call you or they get an $11,000 fine. This has really cut down on the telemarketing.
This is not the golden nugget I want to give you today but if you have not signed up for this yet, the link is right here http://www.donotcall.gov/.
Now here's the real insider secret. I bet you didn't know there is a "Do Not Send Me Junk Credit Card and Junk Mortgage" offers List.
You see the big credit bureaus sell your credit information to credit card companies and mortgage companies without your permission. You then get all of those confusing letters, many of them trying to trick you into thinking they are your current credit card or mortgage company. There has been a big push to get the big 3 credit bureau's, Trans-union, Equifax, and Experian to stop this invasion of your privacy. But they are fighting it tooth and nail because they get big money for selling your private credit information without your permission.
So far, the only way to force them to stop selling your information to all of those strangers is for you to tell them not to. They have created a link for you to do this which is: http://www.optoutprescreen.com/ .
I laughed when I saw the website that they've set up for you to get your name removed. They make it sound like they are selling your private credit information to just anybody that pays them the big bucks, for your benefit.
This tip has pulled back the curtain and you can see what's behind it. I have a friend who signed up for this about 6 months ago and the amount of junk credit mail and mortgage mail he has received has plummeted! Now the stuff he gets in the mail has a lot better chance of really being from his current credit card companies or current mortgage company.
As a side benefit, this action will actually raise your credit score because the credit bureaus computer system sees this as a responsible thing to do, thus raising your score. Isn't that interesting!!
Here's another very important point that I've mentioned before; now is a great time to be looking for the house you've always wanted, but never thought you could afford! It's still a buyer's market, and I'm here to help you!
Don't forget, to cut down on this avalanche of junk mail, simply click on that link right there and you can get off the mailing list and the invasion of your privacy. When you go to the website, choose the 5 year opt out. It is very easy, you can do it with just a few clicks, and it works!!!! If you need any help with it, just give me a buzz and I'll talk you through it.
This is just another way I'm here to help you! Don't forget to forward this tip to your friend's, they'll love you for it.
They'll also love you if you give them my name when they are thinking about buying or selling a home. Thanks for letting me help you, your friends and your family. Have a great rest of the week!
Sincerely,
Ken
951-760-3833
**************************
Saturday, June 18, 2011
Paseo Del Sol, Temecula, 5 BR 2.5 BA, 2,382 Sq Ft, Mid-High $200's
******************************
43512 Tirano Dr, Temecula
5 BR 2.5 BA, 2,382 Sq ft, 8,712 sq ft lot.
This is a beautiful like new home. Very open floorplan with beautiful entry way. Gorgeous family room and kitchen. Huge back yard with nice seperate covered patio area. Bank-owned and ready for you!
Call me today to schedule a viewing of this fabulous home, 951-760-3833.
********************************
Wednesday, June 15, 2011
CONDO WITH 2-CAR GARAGE, DIRECT ACCESS!! 2 BR, 2 BA, LIKE NEW!
List Price: $139,000
Property Type: Condominium/A
Bedrooms: 2
Bath(F,T,H,Q): 2,0,0,0
Sqft/Source: 1,159/Assessor's Data
Cross Street: Los Alamos
Stories: One Level
Year Built: 2003/ASS
Description
STANDARD SALE!! 2-CAR GARAGE!! GROUND LEVEL!! ... NOT A SHORT SALE... FAST CLOSE!! Beautiful Madison development in Murrieta. Low HOA. This condo is priced to sell. Move in condition. 2 car attached garage with direct access. Indoor laundry. Gated community with a pool, sports court and gym. All appliances included. Hurry this home will not last long at this price.
************ LOW CREDIT SCORE OK!! **************
********** I WILL ELIMINATE YOUR DEROGATORY CREDIT AND RAISE YOUR CREDIT SCORE!! ************************
************ BUY THIS HOME WITH ONLY 1% DOWN PAYMENT WITH HUD DOWN PAYMENT ASSISSTANCE PROGRAM!!! **************
************ OR 100% FINANCING WITH YOUR VETERAN'S ADMINISTRATION ELIGIBILITY!!! ****************
************ APPOINTMENT ONLY *************
************ NO AGENTS PLEASE! ************
Contact: Ken Hall at 951-760-3833
Click on:
<a href="http://www.kenhallproperties.com%22%3eken/ Hall Properties</a>
<a href="http://kenhallproperties.blogspot.com%22%3eken/ Hall Properties - TOUR</a>
<a href="http://www.hallken.blogspot.com%22%3eken's/ BLOG</a>
<a href="http://creditrepairken.com%22%3ecredit/ Repair Ken</a>
<a href="http://kenscreditrepairtestimonials.blogspot.com%22%3eken's/ Credit Repair Testimonials</a>
<a href="http://delayyourforeclosure.org%22%3edelay/ Your Foreclosure</a>
LICENSE #01418440
Saturday, June 11, 2011
$35,000 for Remodeling!! BANK-OWNED, SINGLE-STORY, CULDESAC, NO HOA, LOW TAXES, 3 BR 2 BA
41186 CIPRESSO CR , Murrieta 92562
$35,000 for Remodeling!! BANK-OWNED, SINGLE-STORY, CULDESAC, NO HOA, LOW TAXES, 3 BR 2 BA
List Price: $159,900
Property Type: Single Family Residence/D
Bedrooms: 3
Baths: 2.50/
Sqft/Source: 1,202/Assessor's Data
Sqft Lot/Source: 6,098/Assessor's Data
Year Built: 1989
Description: Bank-owned, Single-story, culdesac, no HOA, low-low taxes, 3 BR 2 BA, Huge private back yard. This bank-owned property needs TLC and qualifies for FHA 203K Rehab financing. With about $6,000 down payment, you can get up to $35,000 cash included in your FHA loan to completely remodel this home to your own personalized tastes and style. This property comps at $190,000 to $200,000 which means you'll be moving in with immediate equity! Don't wait! Take advantage of this steal of a deal now!
If you or anyone you know is interested in viewing this property, call me today to schedule an appointment, 951-760-3833.
************************
Saturday, May 14, 2011
BEAUTIFUL, HIGHLY UPGRADED 5 BR, LOW PROPERTY TAXES
*************************
34577 Shallot DR , Winchester 92596
Price: $235,000-255,000
Property Type: Single Family Residence/D
Bedrooms: 5
Bath(F,T,H,Q): 3,0,0,0
Sqft/Source: 2,913/Assessor's Data
Sqft Lot/Source: 6,098/Assessor's Data
Cross Street: Abelia
Stories: Two Level
Year Built: 2003
Driving Directions: from Winchester road turn to Abelia st then left on Shallot Drive
Description
This home is 2,913 with 5 bedroom, loft, and 3car garage. This home has seperate living and dinning area. Vaulted ceiling and french door off the living room. Kitchen island and huge family room, great for family night. Wood floor in some areas and carpet throughout. Secondary room are good size, master bedroom has seperate tub and shower and walk in closet.
************ LOW CREDIT SCORE OK!! **************
********** I WILL ELIMINATE YOUR DEROGATORY CREDIT AND RAISE YOUR CREDIT SCORE!! ************************
************ BUY THIS HOME WITH ONLY 1% DOWN PAYMENT WITH HUD DOWN PAYMENT ASSISSTANCE PROGRAM!!! **************
************ OR 100% FINANCING WITH YOUR VETERAN'S ADMINISTRATION ELIGIBILITY!!! ****************
************ APPOINTMENT ONLY *************
************ NO AGENTS PLEASE! ************
Contact: Ken Hall at 951-760-3833
Check out a few of the many folks we've helped! Click on <a href="http://www.fromdebttoprosperity.com%22%3efrom/ Debt To Prosperity</a> http://www.fromdebttoprosperity.com/
Check out Ken's BLOG!! Click on <a href="http://www.hallken.blogspot.com%22%3eken's/ BLOG</a>
Ken's Credit Repair Testimonials: <a href="http://kenscreditrepairtestimonials.blogspot.com%22%3eken's/ Credit Repair Testimonials</a>
LICENSE #01418440
******************************************************
34577 Shallot DR , Winchester 92596
Price: $235,000-255,000
Property Type: Single Family Residence/D
Bedrooms: 5
Bath(F,T,H,Q): 3,0,0,0
Sqft/Source: 2,913/Assessor's Data
Sqft Lot/Source: 6,098/Assessor's Data
Cross Street: Abelia
Stories: Two Level
Year Built: 2003
Driving Directions: from Winchester road turn to Abelia st then left on Shallot Drive
Description
This home is 2,913 with 5 bedroom, loft, and 3car garage. This home has seperate living and dinning area. Vaulted ceiling and french door off the living room. Kitchen island and huge family room, great for family night. Wood floor in some areas and carpet throughout. Secondary room are good size, master bedroom has seperate tub and shower and walk in closet.
************ LOW CREDIT SCORE OK!! **************
********** I WILL ELIMINATE YOUR DEROGATORY CREDIT AND RAISE YOUR CREDIT SCORE!! ************************
************ BUY THIS HOME WITH ONLY 1% DOWN PAYMENT WITH HUD DOWN PAYMENT ASSISSTANCE PROGRAM!!! **************
************ OR 100% FINANCING WITH YOUR VETERAN'S ADMINISTRATION ELIGIBILITY!!! ****************
************ APPOINTMENT ONLY *************
************ NO AGENTS PLEASE! ************
Contact: Ken Hall at 951-760-3833
Check out a few of the many folks we've helped! Click on <a href="http://www.fromdebttoprosperity.com%22%3efrom/ Debt To Prosperity</a> http://www.fromdebttoprosperity.com/
Check out Ken's BLOG!! Click on <a href="http://www.hallken.blogspot.com%22%3eken's/ BLOG</a>
Ken's Credit Repair Testimonials: <a href="http://kenscreditrepairtestimonials.blogspot.com%22%3eken's/ Credit Repair Testimonials</a>
LICENSE #01418440
******************************************************
Tuesday, April 5, 2011
BANK-OWNED!! SINGLE-STORY IN VAIL RANCH!! BANK REMODEL!! 3 BR, 2 BA, 1,315 SQ FT!!
*************************
BANK-OWNED!! SINGLE-STORY IN VAIL RANCH!! BANK REMODEL!! 3 BR, 2 BA, 1,315 SQ FT!!
33052 TULLEY RANCH RD , Temecula 92592
Price: $189,000-210,000
Property Type: Single Family Residence/D
Bedrooms: 3
Baths: 2.00/
Sqft/Source: 1,315/Assessor's Data
Sqft Lot/Source: 5,227/Assessor's Data
Stories: One Level
Year Built: 1998
Description
BANK-OWNED!! FAST CLOSE OF ESCROW!! BANK REMODEL!! CHARMING SINGLE STORY HOME IN VAIL RANCH. WONDERFUL OPEN FLOOR PLAN WITH DESIGNER PAINT AND TILE FLOORING. GREAT CURB APPEAL, NEW LANDSCAPING. ENJOY PANORAMIC VIEWS FROM BACKYARD.GREAT FAMILY NEIGHBORHOOD WITH NO HOA FEES.
************ LOW CREDIT SCORE OK!! **************
********* I WILL ELIMINATE YOUR DEROGATORY CREDIT
AND RAISE YOUR SSCORE *************
************ BUY THIS HOME WITH ONLY 1% DOWN PAYMENT
WITH HUD DOWN PAYMENT ASSISSTANCE PROGRAM!!! **************
************ OR 100% FINANCING WITH YOUR
VETERAN'S ADMINISTRATION ELIGIBILITY!!! ****************
************ APPOINTMENT ONLY *************
************ NO AGENTS PLEASE! ************
Contact: Ken Hall at 951-760-3833
Check out a few of the many folks we've helped! Click on <a href="http://www.fromdebttoprosperity.com%22%3efrom/ Debt To Prosperity</a>
Check out Ken's BLOG!! Click on <a href="http://www.hallken.blogspot.com%22%3eken's/ BLOG</a>
Ken's Credit Repair Testimonials: <a href="http://kenscreditrepairtestimonials.blogspot.com%22%3eken's/ Credit Repair Testimonials</a>
LICENSE #01418440
******************************************************
Tuesday, March 29, 2011
Harvestion in Temecula! 5 bedrooms, 4 baths, 3,311 Sq Ft
*************************
This is our newest bank-owned property in the beautiful planned community of Harveston in Temecula.
************************
Bank-owned!! Harveston Community!! Cul-de-sac!! 5 bedroom, 4 full bath
Price: $329,000 - $359,000
Property Type: Single Family Residence/D
Bedrooms: 5
Bath(F,T,H,Q): 4,0,0,0
Sqft/Source: 3,311
Sqft Lot/Source: 7,405
Cross Street: Harveston and Margarita
Stories: Two Level
Year Built: 2005
Bank-owned!! FULL REMODEL IN PROGRESS! Fast close of escrow!! Harveston Community!! 5 bedroom, 4 full bath 2 story home on a cul-de-sac. Built in 2005, 7,405 lot square feet. $142 monthly HOA dues. 3 car attached garage with direct entry to home. Too many upgrades.
Harveston is a wonderful world of amenities including a large lake, boats, parks, walking trails, a sports park, splash park, community pool, banquet facilities, and more. Close to schools, shopping, both 15 and 215 freeways, casino's, golf, and more. It doesn't get much better than this! Hurry!
************ LOW CREDIT SCORE OK!! **************
********** I WILL ELIMINATE YOUR BAD DEBTS AND RAISE YOUR CREDIT SCORE!! **
************ BUY THIS HOME WITH ONLY 1% DOWN PAYMENT WITH HUD DOWN PAYMENT ASSISSTANCE PROGRAM!!! **************
************ OR 100% FINANCING WITH YOUR VETERAN'S ADMINISTRATION ELIGIBILITY!!!
************ APPOINTMENT ONLY *************
************ NO AGENTS PLEASE! ************
Contact: Ken Hall at 951-760-3833
This is our newest bank-owned property in the beautiful planned community of Harveston in Temecula.
************************
Bank-owned!! Harveston Community!! Cul-de-sac!! 5 bedroom, 4 full bath
Price: $329,000 - $359,000
Property Type: Single Family Residence/D
Bedrooms: 5
Bath(F,T,H,Q): 4,0,0,0
Sqft/Source: 3,311
Sqft Lot/Source: 7,405
Cross Street: Harveston and Margarita
Stories: Two Level
Year Built: 2005
Bank-owned!! FULL REMODEL IN PROGRESS! Fast close of escrow!! Harveston Community!! 5 bedroom, 4 full bath 2 story home on a cul-de-sac. Built in 2005, 7,405 lot square feet. $142 monthly HOA dues. 3 car attached garage with direct entry to home. Too many upgrades.
Harveston is a wonderful world of amenities including a large lake, boats, parks, walking trails, a sports park, splash park, community pool, banquet facilities, and more. Close to schools, shopping, both 15 and 215 freeways, casino's, golf, and more. It doesn't get much better than this! Hurry!
************ LOW CREDIT SCORE OK!! **************
********** I WILL ELIMINATE YOUR BAD DEBTS AND RAISE YOUR CREDIT SCORE!! **
************ BUY THIS HOME WITH ONLY 1% DOWN PAYMENT WITH HUD DOWN PAYMENT ASSISSTANCE PROGRAM!!! **************
************ OR 100% FINANCING WITH YOUR VETERAN'S ADMINISTRATION ELIGIBILITY!!!
************ APPOINTMENT ONLY *************
************ NO AGENTS PLEASE! ************
Contact: Ken Hall at 951-760-3833
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