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Property Spotlight
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Pacific BeachCA
For Sale
$249,900
1 Beds / 1 Baths
| Unbelievable location only 3 blocks to the beach! This condo has everything you need with granite counter tops, travertine in the bathroom, maple flooring, and cherry cabinets... more >>
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La JollaCA
For Sale
$249,900
1 Beds / 1 Baths
| Live at the Beach in the Wind-N-Sea neighborhood! First floor unit is light and bright with west facing balcony!.. more >>
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San Diego
For Sale
$279,000
4 Beds / 2 Baths
| 4BR/2.5BA
From the front porch you can see the OCEAN! Handyman special - bring your tool belt and fix this home up! Large back yard - for you to create your own private haven... more >>
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San DiegoCA
For Sale
$299,999
3 Beds / 1 Baths
| FREE 24 HOUR RECORDED INFO AT 1-800-433-0203 EXT. 7773
This 3 bedroom, 1 bath home is a beautiful blend of classic 1940''s charm and modern upgrades... more >>
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EscondidoCA
For Sale
$325,000
4 Beds / 2 Baths
| Great opportunity to customize to your taste and style. Home is ready for your TLC to make this YOUR DREAM HOME! You can easily add another bedroom and bath above the garage making it a 5 bed/3 bath... more >>
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SanteeCA
For Sale
$389,000
3 Beds / 4 Baths
| Must see the breath taking views in Northstar at Sky Ranch this complex is nestle in the hills of Santee. You will feel at home in this upgraded townhome... more >>
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San DiegoCA
For Sale
$399,000
2 Beds / 3 Baths
| REDUCED! This townhome is located in a quiet complex Chateau Village. This complex features pool, spa and tennis courts. You will feel the openness with the vaulted ceiling... more >>
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EncinitasCA
For Sale
$429,000
3 Beds / 2 Baths
| This single story home is located in Village Park. This is a great neighborhood with parks and walking trails. The home has a fireplace in the living room to cozy up to with your friends and family... more >>
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EscondidoCA
For Sale
$459,000
4 Beds / 3 Baths
| Come enjoy the tremendous panoramic mountain views from the spacious 4br/3 ba home. Kitchen has counter space, lots of cabinets and tile flooring... more >>
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San DiegoCA
For Sale
$639,000
4 Beds / 2 Baths
| Welcome home to this lovely open floor plan with a well manicured yard. Great neighborhood in West University City... more >>
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La JollaCA
For Sale
$849,000
4 Beds / 3 Baths
| A Spectacular home built by Concordia with fantastic city and canyon views... more >>
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EscondidoCA
For Sale
$1,150,000
4 Beds / 6 Baths
| Luxury Defined-elevated and Private Architectural Gem with dark bottom pool with waterfall, swim ledges and separate spa with waterfall and views to Catalina Island, when clear... more >>
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San DiegoCA
For Sale
$1,293,000
4 Beds / 3 Baths
| Real Estate at its best! This is a beautiful San Diego property!.. more >>
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San DiegoCA
For Sale
$1,695,000
3 Beds / 3 Baths
| If you appreciate volume, design and architectural beauty, this home is for you!.. more >>
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CarlsbadCA
For Sale
$1,950,000
4 Beds / 4 Baths
| Sensational views and a sense of privacy elevated from street with entry garden and mature palms. Side lot is mostly vacant with perimeter landscape plus multiple fruit trees, olives and palms... more >>
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San DiegoCA
For Sale
$2,075,000
3 Beds / 3 Baths
| Designer''s own home with many customized features showcasing indoor\/outdoor living with San Diego''s climate and views taking full advantage of this elevated, private lot walking distance to Old .. more >>
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La JollaCA
For Sale
$3,850,000
4 Beds / 5 Baths
| Real Estate at its best! This is a beautiful La Jolla property!.. more >>
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Many people are ignorant of what their credit score is, how they can hurt or help that score, and how it can be used against them. Some 49% of 1,013 consumers polled do not understand that credit scores measure credit risk, according to a 2005 survey by the Consumer Federation of America and Fair Isaac Corp. (FIC ), the company that created the most widely used credit score formula called FICO.
It's not as hard as you think to raise credit score. It's a well known fact that lenders will give people
with higher credit scores lower interest rates on mortgages, car loans and credit cards. If your
credit score falls under 620 just getting loans and credit cards with reasonable terms is difficult.
There are more than 30 million people in the United States that have credit scores under 620.
Here are a few simple tips that you can use to raise credit score.
Get a copy of your credit report. Why? If there is something on your report that is incorrect, you
will raise credit score once it is removed. Make sure you contact the bureau immediately
to remove any incorrect information.
Your credit report should come from the three major bureaus: Experian, Trans Union and Equifax.
It's important to know that each service will give you a different credit score.
Make sure you pay your bills on time because your payment history makes up 35% of your total credit score.
Your recent payment history will carry much more weight than what happened five years ago.
Missing just one months payment on anything can knock up to 100 points off of your credit score.
Paying your bills on time is a single best way to start rebuilding your credit rating and raise credit score for you.
Start to pay down your debt.
Your credit card issuer reports your outstanding balance once a month to the credit bureaus. It doesn't matter whether you pay off that balance a few days later or whether you carry it from month to month.
 Most people don’t realize that credit bureaus don’t distinguish between those who carry a balance on their cards and those who don’t. So by charging less you can raise credit score even if you pay off your credit cards every month.
Lenders also like to see a lot of of room between the amount of debt on your credit cards and your total credit limits. So the more debt you pay off, the wider that gap and the better your credit score.
Don’t close old accounts.
In the past people were told to close old accounts they weren’t using. But with today's current scoring
methods that could actually hurt your credit score.
Closing old or paid off credit accounts lowers the total credit available to you and makes any balances
you have appear larger in credit score calculations. Closing your oldest accounts can actually shorten the length of your credit history and to a lender it makes you less credit worthy.
If you are trying to minimize identity theft and it's worth the peace of mind for you to close your old
or paid off accounts, the good news is it will only lower you score a minimal amount. But just by keeping those old accounts open you can raise credit score for you.
Minimize credit-card applications. Bingo. That was cited as a problem on all three of my FICO scores. On average, a consumer has a total of 11 credit obligations, of which seven are credit cards and four are loans. I had 21, of which six had balances. Each time you apply for credit, a lender requests to view your report. This inquiry is noted and can reduce your overall score. Don't apply for unnecessary credit, and if you're in the market for a big-ticket item that requires a loan, avoid credit applications for 18 months prior to your purchase.
Avoid bankruptcy.
Bankruptcy is the single worst thing that will destroy your credit score. Bankruptcy will lower your credit score by 200 points or more and is very difficult to come back from.
Once your credit score falls below 620, any loan you get will be far more expensive. A bankruptcy on your credit record is reported for up to 10 years.
The reality of a bankruptcy is it will limit you to high-interest lenders that will squeeze out high interest rate payments from you for years.
The bottom line?
The cost of bad credit is high, no doubt -but the cost of repairing your credit can also be very expensive and many times you achieve little or no results. Credit repair is one of the most popular search terms on the Internet and consumers' continue to search for quick fixes. If you can learn anything from this page, understand there are NO quick fixes. Yes it is possible to repair your credit- millions do but don't have such high expectations that you're sorely disappointed in the end.
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