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So far tmurphy has created 7 blog entries.

9 Steps To Rid Your Credit Report of Old Debt

1.  Bad credit isn't a life sentence There's no doubt that bad credit wreaks havoc on your life, but the good news is that it doesn't last forever. Bad credit scores only remain bad if you don't take steps to improve your financial life. If you do, these mistakes will disappear from your credit report over time. How much time? For unpaid or delinquent accounts, the time period is seven years. For Chapter 7 bankruptcies, it's 10 years. To prevent mistakes, credit bureaus often err on the side of removing bad information a little early, says Norm Magnuson, vice president of public affairs for the Consumer Data Industry Association, a trade association for credit reporting companies. Worried there may be mistakes on your credit report? Check it for free at AnnualCreditReport For delinquencies, "most [...]

By |2018-02-07T23:30:44+00:00February 1st, 2018|

6 Steps to Buying a Distressed/Foreclosed Property

6 Steps to Buying a Foreclosed/Distressed Property Get pre-approved for a mortgage Find a property on www.ahomesuitehome.com Study the sale prices of comparable homes in your area If you are relocating, have employment or transfer in process Remember the sale is for the home as-is Price is rarely negotiable

By |2018-02-07T23:31:35+00:00February 1st, 2018|

Boosting Your Credit Score- Step by Step

Need Help Improving Your Credit Score??? While there’s no quick fix for bad credit, taking the following steps to improve your credit profile can raise your score over time: 1.  Collections and/or Judgements-  Pay them off, not matter how small 2. Past-Due & Over-the-Limit-  Bring accounts up-to-date. 3. Pay all bills on time-  Stay focused 4.  Try to reduce your credit card debt to 25% or less of your credit line on each card.  Reduce your credit card debt to 25% or lower of your credit line   Example:  $5,000 balance on a credit card, have not more than $1,250 on that card. 5. Do NOT open more credit-  auto, credit card, appliances.  Very tempting but your are trying to get into a home- Keep your eye on the prize; your new home [...]

By |2018-02-07T23:32:23+00:00February 1st, 2018|

Principles of Life- Gratitude to “Fred” aka Dad

Thinking back to the "Principles of Life": I look back over my life and think what could I have done: - Right, Better, Wrong - or more importantly.......WHAT WOULD I CHANGE IN MY LIFE? Many years ago in 1989, when our father(53) was dying with Childhood Acute Lymphoblastic Leukemia over an emotional 2 1/2 years. Watching our mother, trying to provide home health care.  Watching my brother do anything & everything to support Mom and Dad locally.   Me-Traveling and working remote from NC to NY to take my Dad to Onocology appointments through the Upstate NY Winters.   On top of this, my family was pretty poor. This was not the hard part. I made a decision through this tough time to reconcile my relationship with my Dad before he passed.  I had to [...]

By |2018-02-07T23:33:22+00:00February 1st, 2018|

FREE Credit Report- It is Your Right

The ONLY source for your FREE ANNUAL CREDIT REPORT.  Authorized by Federal Law. Click HERE to get your report. Did you know you can get one FREE credit report per year? Correct mistakes BEFORE you buy a home.   Your credit report matters. Credit reports may affect your mortgage rates, credit card approvals, apartment requests, or even your job application Reviewing credit reports helps you catch signs of identity theft early Federal law allows you to: Get a free copy of your credit report every 12 months from each credit reporting company. Ensure that the information on all of your credit reports is correct and up to date. There are 3 credit bureaus to validate your report:  Experian, TransUnion, & Equifax Cleaning up your credit report is easier to fix than you think.  Be persistent [...]

By |2018-02-07T23:34:41+00:00February 1st, 2018|

24 Creative Ways to Come Up with a Down Payment

24 Creative Ways to Come Up With a Down Payment To successfully purchase a home today, you will need a minimum down payment of 5%(depends on your credit score) of the purchase price. Gone are the days of no down payment alternatives, down payment assistance and seller-offered programs to come up with the money needed to buy a home. Instead, let’s look ways some of my new homeowners have used over the years to secure a home. 1. Gift Money Gift money is simply that — a gift from family or documented close relationship. The gifter needs to provide a gift letter and paper trail of the monies they are gifting for the benefit of the buyer. In other words, they’ll have to provide a bank account showing they had the [...]

By |2018-02-07T23:35:30+00:00January 26th, 2018|

Inspirational Quotes by Famous Individuals

Motivations Quotes: "The question isn't whose going to LET me, it's whose going to stop me."   - Ayn Rand  (my personal favorite) "You have to know what you want to get it."   - Gertrude Stein "Life's a bitch, you've got to go out and KICK ASS."   - Maya Angelou "I don't believe in failure.  It is NOT failure if you enjoy the process."   Oprah Winfrey "Although the world is full of suffering, it is full also of the overcoming of it."  -  Helen Keller "I believe that tomorrow is another day, and I believe in miracles."   -  Audrey Hepburn

By |2018-02-01T13:16:16+00:00December 1st, 2014|
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