"What’s in your credit report?Although each credit reporting agency formats and reports this information differently, all credit reports contain basically the same categories of information. Your social security number, date of birth and employment information are used to identify you. These factors are not used in credit scoring. Updates to this information come from information you supply to lenders.
Identifying Information.
Your name, address, Social Security number, date of birth and employment information are used to identify you. These factors are not used in credit scoring. Updates to this information come from information you supply to lenders.
Trade Lines.
These are your credit accounts. Lenders report on each account you have established with them. They report the type of account (bankcard, auto loan, mortgage, etc), the date you opened the account, your credit limit or loan amount, the account balance and your payment history.
Credit Inquiries.
When you apply for a loan, you authorize your lender to ask for a copy of your credit report. This is how inquiries appear on your credit report. The inquiries section contains a list of everyone who accessed your credit report within the last two years. The report you see lists both "voluntary" inquiries, spurred by your own requests for credit, and "involuntary" inquires, such as when lenders order your report so as to make you a pre-approved credit offer in the mail.
Public Record and Collection Items.
Credit reporting agencies also collect public record information from state and county courts, and information on overdue debt from collection agencies. Public record information includes bankruptcies, foreclosures, suits, wage attachments, liens and judgments."
Information taken from http://www.myfico.com/
11.10.2010
11.08.2010
Want to live in one of the top 10 neighborhoods in the nation?
You can, in one of Jacksonville's very own neighborhoods!
In case you haven't heard, the historic neighborhood of Riverside and Avondale was named one of the top ten neighborhoods to live in 2010 by the APA (American Planning Association) and is the first neighborhood in Florida to win this honor!
Needless to say everyone in this neighborhood is very honored. We at the Riverside Avondale Development Organization are also very privileged to take part in the upkeep of this prestigious title.
RADO has provided over 20 affordable homes in the Riverside neighborhood. These homes have either been masterfully renovated to their original grandeur or are historically-accurate, newly built homes. The new construction homes we provide offer historic exterior features, with modern day amenities in the interior.We are honored to say that once built, one would think that one of our new homes was one of our renovations!
RADO is very determined to keep the overall livability of the neighborhood first rate. We are dedicated to reinforcing historic preservation , creating and preserving attainable quality housing for low to moderate income families, increasing public safety, and much more. We understand and appreciate how enjoyable and diverse this neighborhood is and how out of reach it may be for some families. We feel that everyone should have a chance at owning their own home in the neighborhood they desire.
For the past year we have been working under the city's Neighborhood Stabilization Program which allowed us to branch out beyond Riverside, but starting in 2011 we will go back to our roots and once again be able build and renovate in the historic neighborhoods of Riverside and Murray Hill.
If you have any questions about how to purchase a home through us please e-mail Melody or call us at 904.381.0950.
In case you haven't heard, the historic neighborhood of Riverside and Avondale was named one of the top ten neighborhoods to live in 2010 by the APA (American Planning Association) and is the first neighborhood in Florida to win this honor!
Needless to say everyone in this neighborhood is very honored. We at the Riverside Avondale Development Organization are also very privileged to take part in the upkeep of this prestigious title.
RADO has provided over 20 affordable homes in the Riverside neighborhood. These homes have either been masterfully renovated to their original grandeur or are historically-accurate, newly built homes. The new construction homes we provide offer historic exterior features, with modern day amenities in the interior.We are honored to say that once built, one would think that one of our new homes was one of our renovations!
RADO is very determined to keep the overall livability of the neighborhood first rate. We are dedicated to reinforcing historic preservation , creating and preserving attainable quality housing for low to moderate income families, increasing public safety, and much more. We understand and appreciate how enjoyable and diverse this neighborhood is and how out of reach it may be for some families. We feel that everyone should have a chance at owning their own home in the neighborhood they desire.
For the past year we have been working under the city's Neighborhood Stabilization Program which allowed us to branch out beyond Riverside, but starting in 2011 we will go back to our roots and once again be able build and renovate in the historic neighborhoods of Riverside and Murray Hill.
If you have any questions about how to purchase a home through us please e-mail Melody or call us at 904.381.0950.
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