Welcome to GCF Mobile Homes Blog

This Blog Has Content That Will Help You Better Understand Lending, Credit Management, How To Buy A Mobile Home, Clayton Homes, and The Overall Buying Experiance!

I am Glad To See You Here And Hope You Really Get A Lot Out Of It.

The First Thing You Need TO Know Is What to Expect And Where Your Budgeting Is. So, You Really Need To Understand Your Credit Situation. There Is A Banner Below That Gives You All Three Reports and Will Not Harm Your Score When You Check It Like It Will At Car Dealerships And Other Places.

Knowing Your Credit Can Save You A Lot Of Time As Well As Money. Check It And Print It Up To Take In To Your Housing Consultant So That He/She Can Give You A Good Game Plan To Follow In Buying Your New Dream Home!

Glenn Fraley

Where Do I Start When Buying A Mobile Home?

When you first start in the process of buying a mobile home, you must form a game plan as you would in any other project. Your driving goals should be your budget and your time frame for buying and moving into the mobile home.

You should also find a Housing Consultant that your can communicate well with. Communication is key when making the process smooth and easy.

When you plan out your budget and time frame, you should now make a needs & dreams list for options in your mobile home and map them out.

Now you are ready to find out your credit score to help narrow or widen your budget plans. Your credit score can help you determine what kind of downpayment and interest rates you might have to consider with your budget.

Now that you have firmed up your horizons, you can go out and look for the dream home you always wanted and find a good Housing Consultant. Take your time frame and budget information with you as well as your options list and credit report to help the Housing Consultant get your needs met properly.

Clayton Homes Product

Clayton Homes Understands that their customers strive for the best in life. So, for that reason, their team members contain an endless commitment to provide excellence in all aspects of the home buying experience. That commitment to building the best-valued homes has earned the industry's respect, as Clayton is the only cmpany to receive the Manufactured Housing Institure's prestigious Manufaturer of the Year.

In order to meet and srve the varying living requirments of Americans today, Clayton Homes provides hundreds of inventive home designs to meet the needs of every lifestyle. From starter homes to retirement villas and all dream homes in between.

Furthermore, only the highest quality and most trusted materials are used in the building of a Clayton Home. This allows our skilled sraftsmen the opportuninty to individually construct each home to meet your needs.

Learn About Your Credit Report Now!

Friday, February 27, 2009

Having A High FICO Score on Credit Report Obtains Positive Responses

Are you living life in the fast lane? And tired of keeping up with all your expenditures? Life is like that, sometimes you get what you want, and sometimes you don’t. And since this is a fact of life, is there anything you can do to improve your life?

Don’t be desperate; it's not the end of the world. It's but natural to incur expenses as you go on with your daily life. Most especially now that almost every price of an item you need is soaring high. This is one reason why people find loans, credit cards, and other credit transactions more attractive.

Transactions involving credit is not that easy to apply for, you will need to have a good credit rating based on your credit report. Your credit report holds your credit score, or formally known as the FICO score.

The FICO score of each person applying for credit is very important. This is usually the deciding factor for any company to approve your application for credit. This will determine whether you're eligible or not.

You should not disregard your FICO score. This means that from the very start, you should have handled all your credit transactions in a good manner and pays your bill on time. If you've been living your life like this, then you can expect a high FICO score. Having a high credit score means that you have great chances in getting secured loans, credit cards, and the like.

A high FICO score indicates that you're a low risk for creditors, which means that once they extend you a loan (or any credit transaction), you can pay off your dues on time.

FICO scores have different ranges. If you've scored 500-559, it means that you should start improving your score. 560-619 scores have great troubles in obtaining credit, and for you to have a decent score, you must get a score of 675-699. Scores from 700-719 can expect a favorable response when it comes to financing terms. For people having FICO scores from 720-850, a big round of applause for you, because you've attained the best score of all; you will certainly have no trouble in applying for any credit term.

Aside from the different score-range, the FICO score is divided into five categories: the payment history, the credit history's length, amounts owned, new credit, and the type of credit that you have used. These categories have a direct relation to your credit scores.

Your credit report will contain information such as retail accounts, credit cards, mortgages, installment loans, unpaid accounts, bankruptcy, and other pertinent information regarding your history (on credit). You can't lie because the records are pieces of evidence which proves your eligibility.

However, there are also times when some information contained in your credit report are not that accurate, so you need to check with the bureau along with your supporting papers at least once every year to have your records updated.

You are free to visit the bureau. In fact, three known bureaus gather credit reports. They are Experian, Equifax, and TransUnion.

The FICO score is your credit score, and remember, you must get a high score to have any application on your favor. One of the best ways to cope with your expenditures is through credit, so it is a must that you get a high FICO score. Be responsible with your finances.

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