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Bruce Paxton, REALTOR
Linda Paxton Assistant (Unlicensed)

Coldwell Banker Countryside, Realtors

17 Bridgewater Plaza Moneta, VA 24121

Phone: 540.721.3323

Toll Free:  800.476.2992

Fax:  540.721.2427

Cell:  540.556.5764

Fax 2: 540.400.8264
Linda: 540-556-8373 (Unlicensed Assistant)
Email Me  

 

What do I offer that is different from other agents?

  • Over 10 years of real estate marketing experience, and over 18 years property management experience.

  • Virtual Tours, Complete Internet Marketing of all property listings which is the best way to market your property to not only local cliental, but potential buyers all over the world.

  • Going the extra mile to find you the perfect property, or buyer for your property, No listing or client is too big or too small that they do not get our complete attention!

 

 
 Credit Reports
 

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TrueCredit.com Product Focus –


Single Experian Report:
Single credit report with data provided by Experian. Perfect for viewing your credit report instantly and for the next 30 days that follow.

3-in-1 Credit Report:
Combined report with data provided by all three national credit bureaus: Experian, Equifax, and Trans Union. Compare credit information easily-information collected by the bureaus is not always alike

TruePlanner:
Four Single Credit Reports with data provided by Experian. Perfect for monitoring your creditworthiness several times a year-on dates customized by you using your personal credit calendar

TrueProfiler:
TrueCredit.com is also the only company that provides you with a personal credit analysis. Purchase TrueProfilersm for only $3.95 and find out how you're viewed through the eyes of a lender.
You'll receive:

  • A numerical index that measures your credit standing.
  • An indication of your credit worthiness ? ranging from "very poor" to "very good".
  • A personalized analysis of the factors that affect your credit score - and recommendations for improvement.

Bank and Mortgage:

How important is your credit report when applying for mortgage, home equity, line of credit, or credit card loan?
Very important! Besides your employment history, lenders use your credit history as the primary factor to determine if you are a good candidate for a loan. Large loans require a comprehensive 3-in-1 Credit Report that shows what all three major credit bureaus are reporting about you. Your credit report will be examined carefully for –

  • Signs that you act responsibly when it comes to paying your debts on time.
  • Your income and how it corresponds with your debts.
  • How much credit you currently have available to you.
  • Possessions that you have paid off that may be used as collateral against your new loan.

Is it true that the better your credit history, the better interest rate and loan amount you may qualify for?
Absolutely! The consequence of being considered less creditworthy may not keep you from qualifying for an auto loan, but it can be an expensive factor when determining –

  • The interest rate of that loan.
  • The down payment required.
  • The amount you are qualified to borrow.

Save yourself a bundle by checking your credit report first.
There's no reason to settle for less of a loan at a higher interest rate, or come up with an exorbitant down payment when you don't have to. Know what's on your credit report. Look for –

  • Mistakes - happen more often than you think and they are easy to dispute and correct.
  • Inquiries - may have a negative impact on your credit worthiness. Find out who has been looking at your credit report.
  • Collections and Charge-offs - should be paid in full to increase your credit worthiness.

Now that you have the facts, find out what is on your credit report now.
 

 
Copyright© 2005 Bruce Paxton, REALTOR
Bruce Paxton is a licensed realtor in the state of Virginia® All rights reserved