Ways to Improve Your Credit Score in California
All of them offer credit monitoring services with a monthly rate the ranges for $ 4.95-24.95","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"csegq","text":"\t> All are present in more than 24 countries.","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"5qv1o","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"1afm1","text":"Differences:","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"dhmvp","text":"\t> Equifax and Experian are present since the 1800s while the started getting consumer database at around 1988.","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"6n84l","text":"\t> Equifax was hacked last 2017, and information of their 147 million customers were breached. They made their monitoring services free for those who were affected.","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"fu6tq","text":"\t> In 2018, Experian was named \"World's Most Innovative Companies\" by Forbes. ","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"5k4hr","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"98j30","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"ee1p0","text":"These are their contact details: ","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"83gup","text":"Equifax","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"472fg","text":"Phone: 800-685-1111","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"bim8a","text":"Mail: P.O. Box 105788, Atlanta, GA 30348-5788","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"98r10","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"580po","text":"Experian","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"5o7vv","text":"Phone: 888-EXPERIAN (397-3742)","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"cduib","text":"Mail: P.O. Box 9554, Allen, TX 75013","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"a0tk6","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"7q37o","text":"TransUnion","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"b5qse","text":"Phone: 800-909-8872","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"1plrl","text":"Mail: P.O. Box 2000, Chester, PA 19016","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"9elh0","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"eh4hg","text":"For more information about these CRAs, read here. ","type":"unstyled","depth":0,"inlineStyleRanges":[{"offset":44,"length":4,"style":"UNDERLINE"}],"entityRanges":[{"offset":44,"length":4,"key":1}],"data":{}},{"key":"dece4","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"7e90k","text":"So What's a Good Credit Score? ","type":"header-three","depth":0,"inlineStyleRanges":[{"offset":0,"length":31,"style":"BOLD"}],"entityRanges":[],"data":{}},{"key":"2cdt1","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"elpk3","text":"Each state will have a different average credit score, so your credit score will weigh differently in different states. The average score in California is 717. This figure is the best comparable figure once you have your credit score. ","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"2tqh1","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"8vm8g","text":"But do not be alarmed if your credit score is a bit far from the average. There are still many ways to go around it despite getting a low credit score. ","type":"unstyled","depth":0,"inlineStyleRanges":[{"offset":65,"length":7,"style":"UNDERLINE"}],"entityRanges":[{"offset":65,"length":7,"key":2}],"data":{}},{"key":"8rq0c","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"4p3ks","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"c9r2m","text":"How Can You Get Your Credit Score? ","type":"header-three","depth":0,"inlineStyleRanges":[{"offset":0,"length":35,"style":"BOLD"}],"entityRanges":[],"data":{}},{"key":"e54g6","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"9v1mr","text":"Did you know that you can ask for your credit report for free once a year? Here's how you will do it.","type":"unstyled","depth":0,"inlineStyleRanges":[{"offset":82,"length":4,"style":"UNDERLINE"}],"entityRanges":[{"offset":82,"length":4,"key":3}],"data":{}},{"key":"4mkha","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"dn6om","text":"Ways to Improve Your Credit Score in California ","type":"header-three","depth":0,"inlineStyleRanges":[{"offset":0,"length":48,"style":"BOLD"}],"entityRanges":[],"data":{}},{"key":"eftsq","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"dojpt","text":"The most practical and easiest way to improve your credit score is by always paying your bills on time. This includes all loans, monthly fees like rent, water, electricity, and of course your credit card bills. You should have at least a good track record for six months. ","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"d64jd","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"6rmq0","text":"Do not close unused credit card accounts. Having multiple credit card accounts could help improve your credit utilization ratio. The lower your credit utilization ratio, the better. ","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"dhdg0","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"27hkt","text":"Crosscheck your credit reports from different CRAs and make disputes if there are any inaccuracies. ","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"ab2ui","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"atpp4","text":"If you plan to open a new credit card just so you can increase your credit limit, this may have a negative effect and be seen as a hard inquiry on your report and will remain as such for at least two years. So open credit card accounts with caution and only when you think that you need it. ","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"cnpuh","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"8ghbf","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"5c2oi","text":"If you don't have the time to improve your credit score, you could actually hire services of these credit repair companies who will do the work for you for varying prices. ","type":"unstyled","depth":0,"inlineStyleRanges":[{"offset":99,"length":23,"style":"UNDERLINE"}],"entityRanges":[{"offset":99,"length":23,"key":4}],"data":{}},{"key":"6ljn5","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"a2121","text":"If you're looking for what not to do, watch this video. ","type":"unstyled","depth":0,"inlineStyleRanges":[{"offset":49,"length":5,"style":"UNDERLINE"}],"entityRanges":[{"offset":49,"length":5,"key":5}],"data":{}},{"key":"3cb9h","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"3r3uj","text":"Ready to Buy","type":"header-three","depth":0,"inlineStyleRanges":[{"offset":0,"length":12,"style":"BOLD"}],"entityRanges":[],"data":{}},{"key":"a1j8p","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"85gj","text":"After reading this, you are ready to take the first step. Contact a trusted and expert realtor to walk with you through the process! Happy homebuying!","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"4etvh","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"5e48m","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"etks3","text":" ","type":"atomic","depth":0,"inlineStyleRanges":[],"entityRanges":[{"offset":0,"length":1,"key":6}],"data":{}},{"key":"4tva3","text":"Related articles: ","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"7i0r","text":"How Much Money Can You Save Through Inspection?","type":"unordered-list-item","depth":0,"inlineStyleRanges":[{"offset":0,"length":47,"style":"UNDERLINE"}],"entityRanges":[{"offset":0,"length":47,"key":7}],"data":{}},{"key":"4fk3g","text":"How Will the 2021 Real Estate Market Be Different?","type":"unordered-list-item","depth":0,"inlineStyleRanges":[{"offset":0,"length":50,"style":"UNDERLINE"}],"entityRanges":[{"offset":0,"length":50,"key":8}],"data":{}},{"key":"a6l2h","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"4dmv3","text":" ","type":"atomic","depth":0,"inlineStyleRanges":[],"entityRanges":[{"offset":0,"length":1,"key":9}],"data":{}},{"key":"4noo3","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"59skg","text":"Sign-up to our free and comprehensive monthly newsletter here! ","type":"unstyled","depth":0,"inlineStyleRanges":[{"offset":57,"length":4,"style":"UNDERLINE"}],"entityRanges":[{"offset":57,"length":4,"key":10}],"data":{}}],"entityMap":{"0":{"type":"LINK","mutability":"MUTABLE","data":{"url":"https://www.investopedia.com/terms/c/credit_score.asp ","target":"_blank","rel":"noopener"}},"1":{"type":"LINK","mutability":"MUTABLE","data":{"url":"https://www.thebalance.com/who-are-the-three-major-credit-bureaus-960416#:~:text=Credit%20bureaus%2C%20also%20called%20credit,traded%2C%20for%2Dprofit%20companies. 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It is one of the major definitive factors for lenders to approve your mortgage or not. What is a Credit Score? According to Investopedia, a credit score is a number that you will get based on your "credit worthiness". It ranges from 300-850 and it will depend on many factors including your debts, the number of your open accounts, and many more. It will basically tell your potential lender if you are able to pay the money that you will be borrowing. Who Can Measure Your Credit Score? There are three major bodies that can create your credit report. These credit reporting agencies or CRAs are Equifax, Experian, and TransUnion. Similarities of the 3 CRAs: All of them offer credit monitoring services with a monthly rate the ranges for $ 4.95-24.95 All are present in more than 24 countries. Differences of the 3 CRAs: Equifax and Experian are present since the 1800s while the started getting consumer database at around 1988. Equifax was hacked last 2017, and information of their 147 million customers were breached. They made their monitoring services free for those who were affected. In 2018, Experian was named "World's Most Innovative Companies" by Forbes. These are their contact details: Equifax Phone: 800-685-1111 Mail: P.O. Box 105788, Atlanta, GA 30348-5788 Experian Phone: 888-EXPERIAN (397-3742) Mail: P.O. Box 9554, Allen, TX 75013 TransUnion Phone: 800-909-8872 Mail: P.O. Box 2000, Chester, PA 19016 For more information about these CRAs, read here. So What's a Good Credit Score? Each state will have a different average credit score, so your credit score will weigh differently in different states. The average score in California is 717. This figure is the best comparable figure once you have your credit score. But do not be alarmed if your credit score is a bit far from the average. There are still many ways to go around it despite getting a low credit score. How Can You Get Your Credit Score? Did you know that you can ask for your credit report for free once a year? Here's how you will do it. Ways to Improve Your Credit Score in California The most practical and easiest way to improve your credit score is by always paying your bills on time. This includes all loans, monthly fees like rent, water, electricity, and of course your credit card bills. You should have at least a good track record for six months. Do not close unused credit card accounts. Having multiple credit card accounts could help improve your credit utilization ratio. The lower your credit utilization ratio, the better. Crosscheck your credit reports from different CRAs and make disputes if there are any inaccuracies. If you plan to open a new credit card just so you can increase your credit limit, this may have a negative effect and be seen as a hard inquiry on your report and will remain as such for at least two years. So open credit card accounts with caution and only when you think that you need it. If you don't have the time to improve your credit score, you could actually hire services of these credit repair companies who will do the work for you for varying prices. If you're looking for what not to do, watch this video. Ready to Buy After reading this, you are ready to take the first step. Contact a trusted and expert realtor to walk you through the process! Happy home buying! Don't have a realtor yet? Call us today at 925-415-0835! Related articles: How Much Money Can You Save Through Inspection? How Will the 2021 Real Estate Market Be Different? Sign-up to our free and comprehensive monthly newsletter here!
Single Men or Women? Who Owns More Homes?
Gone are the days when you're expected to get married before buying your own home. As more industries push for equal compensation for men and women, the buying capacity of each group has allowed them to have the opportunity to buy their own place. Let's look at the numbers of the single men and women who were able to buy their homes in the country. Metros with Biggest Percentage by Gender Let's look first at the metro with the most number of single women homeowners and the metro with the most number of single men homeowners. The metro that has the biggest percentage of single women owners is Tampa, Florida with 16.83% or approximately 132,500. In comparison, the metro with the biggest percentage of single men owners is 12.2% or approximately 38,323. The gap is huge! Metro with the Biggest Gender Gap When it comes to the metro with the most significant gap of single female and single male homeowners, it is none other than Boston, Massachusetts with single women owning 13.54% of the 1,130,182 occupied households compared to single men owning only 7.68% of it. That's a 5.86% more single women buying homes are compared to the single men in that area! Metro with the Smallest Gender Gap Meanwhile, single men and single women homeowners have the smallest gap in Las Vegas, Nevada. Single women own 12.36% of the 421,252 households, while single men own 11.91%, giving a gap of only 0.45% or 1,921 households. Surprising, it's still the single women taking the lead whether it's the biggest or smallest gap. There is still no clear study why single women put a higher priority on owning a home as compared to single men, but the changing times has surely given more freedom and independence to empowered woman all around the country. Let's look at the numbers in the whole country. Biggest Percentage in the Country According to the study made by Lending Tree, single women own 5.2 million homes in the country while single men own 3.6 million homes in total! This clearly shows that single women own more homes than single men not just by the total number, but also in all the 50 largest metros in the country! A big congratulations to all the strong independent women and men buying homes before even getting married! More homebuying news: The Most Searched House Decor in California Homebuying Myths Debunked! Ways to Improve Your Credit Score in California Want to receive a free and comprehensive monthly update to help in making an informed decision? Sign-up here! If you're in searched for a realtor you can trust, call us at 925-415-0835 today!
The Most Searched House Decor in California
Google searches for home decors soared during the pandemic. Since everyone's stuck in their own homes, one of the most meaningful and entertaining tasks we can do is decorate our houses to make our stay more meaningful and pleasant. How the Study was Made Workshopedia used a list of 45 most popular decor items found in 5 major home goods stores and observed the trends over the past year for all the states and the District of Columbia. Read on the find out the results! What Do You Think is the Most Searched House Decor? Before jumping right into it, let's look at the recent trends during the lockdown. Plenty of houses became almost mini jungles with the variety of plants being bought by every household. Some invested their time reading books, rearranging this living space to make room for shelves. Some pursued doing their DIY projects, repainting their rooms and making their own decors. Will these trends get in the top 5? The Most Search Home Decor in all States So which house item won by a landslide and was coveted by 7 states? Yes, 7 states agree that this home item is a staple in styling and decorating your home. Perhaps if you see the list of states you'll have an idea. These states are Alabama, Louisiana, Mississippi, Montana, New York, South Carolina, and Virginia. Can you take a guess? It's rugs! It's undeniable that rugs really change a room atmosphere, doesn't it? The Most Search Home Decor in California Not plants, not even flowers, nor shelves! California's most-searched home decor is no other than *drumroll*: vase fillers! Vases fillers! I guess we got creative in the variety of things we can put inside vases. And we're not alone in that! 2 more states have searched the same home decor the most: Florida and North Carolina. Were you also one of those who purchased these coveted vase fillers during the lockdown? Why do you think this home decor is so popular not just in our state, but in 2 more! Most Searched Decor Items by Number of States Here is the list of the most searched house items that got the highest searches in more than 1 state: 1. Rugs - 7 states (Alabama, Louisiana, Mississippi, Montana, New York, South Carolina, and Virginia) 2. Vase fillers - 3 states (California, Florida, and North Carolina) 3. Stools - 3 states ( Georgia, Rhode Island, Wisconsin) 4. Candles - 3 states (Alaska, Nebraska, Nevada) 5. Baskets - 3 states ( Connecticut, Idaho, West Virginia) 6. Wallpaper - 2 states (Vermont, Washington) 7. Tray - 2 states (New Hampshire, Oklahoma) 8. String Lights - 2 states (Colorado, Utah) 9. Decorative Bowls - 2 states (Arizona, Illinois) 10. Curtains - 2 states (Iowa, South Dakota) 11. Coat Racks - 2 states (Michigan, Minnesota) 12. Bar Carts - 2 states (Massachusetts, Missouri) Want to make your home germ-free? Read this: Easy Home Upgrades to Minimize Germ Transmission Minimalist? Do not commit these mistakes: Minimalist Home Decor Fails (and How to Fix them) Source: https://workshopedia.com/top-home-decor/ Receive our exclusive newsletter on Bay Area market update for free! Sign-up here!
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