Archive

Archive for June, 2012

Check your credit report for free 3 times a year – Here is how it’s done!

Everybody seems to know consumers are entitled to a free credit report from each of the leading credit report offices once a year, yet hardly anybody acts on it! In a roomful of people, when asked who checks their credit on a regular basis, only a handful of people are actually doing it, and know how to!

Today, after I realized my own husband didn’t know, I wanted to share the information on how to monitor your credit for free, and yes, I am a Realtor, I am not trying to sell a monthly subscription to a credit monitoring service – I am posting this because I believe every single person should be empowered to catch false information on their credit as soon as possible, and not when they are applying for a mortgage or a car loan, and are denied based on an inaccurate report!

Unpleasant Surprise – photo courtesy of FreeDigitalPhotos.net

Here is how it’s done:

Go to www.annualcreditreport.com. This is the way to start your free search, don’t go directly to the Experian, Equifax or Transunion websites, it is actually much harder to figure out, if at all possible, how to get a free report.

Enter you information, and select ONE of the 3 credit reporting offices: Experian, Equifax or Transunion. You can review all your current mortgages, credit cards, any financing you have going on, as well as your payment history on these accounts. If you see false information, like that you have been late when you have not, you can be pro-active and dispute that.

You might also see NEW, FRAUDULENT credit cards or debt that might have been opened in your name. Yes, criminals do that! – They pretend to be you, start a new credit card, have the statement sent to the address of a vacant home, and spend the full credit limit before anybody catches on! The sooner you act, the smaller the potential damage to your credit.

Visit www.annualcreditreport.com every 4 months, and check one credit report only each time, normally the reports from the 3 offices mostly say the same thing. If you are a husband and wife or have joined credit cards or debt with any partner, check one of your reports every other month, to get an even tighter coverage on your credit monitoring!

This is truly a free service, please act on it, click on this link right now, check and protect your credit!

If you are thinking about buying any kind of real estate in the Central/South Pinellas area, please give me a call. I will be your partner and problem solver the entire way from looking for the perfect property, to closing on your new home!

Call me today for all your real estate needs! 727-480-4155

Tanja Cisliek |Realtor    ReachTanja@gmail.com     www.RealtorTanja.com  

If you have enjoyed reading my blog, please subscribe!

Want to know more about me?  Just Google Me!

Find Me Online:

My ActiceRain BlogMy WordPress BlogMy Facebook ProfileMy LinkedIn ProfileMy Google+ ProfileMy YouTube Channel

How to enjoy your fresh flowers longer

Fresh flowers that got droopy.

I am a Realtor and love my job, but I am also a wife, mother, sister, daughter, friend, and a savvy person who likes to get the biggest bang for my buck!!So here a page about things I do and like, things that have nothing to do with buying and selling real estate, but with being a savvy person and doing some neat stuff. – Enjoy!

Today’s Problem: These fresh flowers got droopy before they ever even opened up!

Project Expense: ZERO (well, for me, not counting the $$ the person invested who gave the flowers)

Time Effort: 3 min.

I cut the blossoms close to the head, wanted to get a few more days of enjoyment out of the arrangement. Filled a crystal bowl with water, put some glass stones (or river stones) in the bottom, and stuck a couple of the green leaves in there, too.

Result:

Floating fresh flowers – for a few more days of enjoyment!