Equifax, one of the three big credit bureaus, announced that hackers have illegally accessed 143 million Americans’ private information. This security breach occurred between May and July and was discovered on July 29th. Equifax has said it will notify all victims, but if you’d like to be proactive, here are steps you can take (with caveats).
Protecting Your Online Security: Actions to Consider
- Send a letter through the good, old-fashioned USPS mail requesting a copy of your free annual credit report. Look for anything that should not belong there, such as a new account you did not open or a hard inquiry you did not authorize.
Caveat: Do not order your credit report through the Internet, because in doing so, you would give up important legal rights.
- Enroll in Equifax’s one year free monitoring service.
Caveat: They will not help you repair your credit, only monitor it.
Second Caveat: By…
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Today I visited my first tiny house. I’ve been fascinated by these little homes for several years now, but this was my first time actually walking through out. I went with a friend of mine who, along with his wife, are also aficionados of simpler ways of life.
The new community is in the Northwest section of Charlotte, NC, well outside of the metro area. The community, if it comes to fruition, will exist across the street from an elementary school.
The first thing that struck both of us was how large the “tiny” house was, and this wasn’t even the large version of the model. The 493 square feet unit you see here begins at $89,950. But for only $14,000, you can add 100 sq. ft. For $20,160, you can add 144 sq. ft., and for a measly $23,800, you can add 170 sq. ft. I’m not sure if…
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A new federal law requires the credit bureaus (also called credit reporting agencies or CRAs) to remove tax liens and judgments from credit reports if they do not include the proper information identifying them to the individual.
It is estimated that 60% of tax lien information will be removed from credit reports and ALL civil judgment records will be removed!
A release from TransUnion gives some insight about what to expect:
- Based on feedback, most Bankruptcy information will meet the minimum reporting requirements, so don’t expect those to go away.
- The new standards will apply to both new and existing public record data.
- Minimum identifier data required: Name, Address, Social Security # and/or Date of Birth
- Minimum frequency courthouse visits to obtain newly filed data: 90 Days
When it will roll out: During the week of July 10, 2017, the CRAs will remove from their databases previously collected…
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GaSandra Carlson of Envoy Mortgage talks about the FHA 203 K Loan. This is a Rehab loan that allows buyers to buy a home that needs some work and borrow enough money to Rehab the home. This loan can also be used a tool to refinance and rehab your home/. After you watch this video. If you have any questions please feel free to contact GaSandra at (503) 967-5099
NMLS # 487425
(503) 967-5099 Office
(503) 351-1802 Cell