The List
November Volume 03 l Issue 11
A monthly Real Estate Publication
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HAPPY
From Erica Homes, LLC Website: http://ericahomes.com
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Real Estate Blogs Useful Tips to Follow to Improve Your Credit
Bad credit is not just expensive but also stressful. However, the situation may appear as hopeless, but bad credit will not last for long. Certain things can be done to currently improve your credit score. Let’s summarize the factors to consider:
Order a copy of your credit report
To start the process, you should know precisely how you will proceed. As the credit score depends on the info that is on report, one needs to review the credit report for errors and duplicates. Simply get a copy of the report from the credit bureau for identifying the accounts which require work. You can obtain a FREE copy at www.creditKarma.com or www.annualFreeCreditReport.com. Be sure to review the information being reported by all 3 agencies- Experian, Equifax, and Transunion. CONTINUED>>>
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Real Estate Blogs Address the errors and duplicates on the credit report
You can mark the errors and duplicates in the credit report to make it accurate. Online disputes are the fastest and easiest. The other option is to simply write a letter to the creditor or the credit bureau who reported the account. Do not consider the mistakes and duplicates as meaningless because these errors can diminish your credit score beyond your imagination.
Increase Limits
If the balances are high and you can’t afford to pay down the balance, call the creditor and request a limit increase. Once it is issued, DO NOT use it. This will reduce your utilization rating and move your credit rating up. Balance Transfers Often if your account is in good standing, then the creditor will allow you to transfer balances for 0 percent or a low introductory rate to gain more of your business. Using balance transfers will allow you to pay the debt down at a faster rate because little to no interest is being charged, Therefore, this allows the payments to go towards the principle. Naturally, it will impact your credit score in a positive manner as your credit updates with most accounts every 30 days.
Lack of Discipline
If being thrifty is not your best friend, there are other options. Pay cash for buying rather than putting more charges on the credit card. Otherwise, you can ignore the buying totally by staying away from offline and in store shopping and eating out. CONTINUED>>>
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Real Estate Blogs Payment History
The 35% of the credit score is made up by your payment history. If you are behind on your payments, it will hurt the score. So, before the payments get charged off or sent to the collection company, it’s better to pay off all the due credit payments. You can discuss the missed payments with your credit issuer. They possibly can renew the account so the report showcases the account has been always paid timely. Secured Credit Card When your credit is damaged, it may be hard to establish new trade lines. A secured credit card is a win- win for you and the bank. They make money off the interest from the balance carried. You get a new trade line with no issues. Do not max out the card. We often recommend that you only charge 1 tank of gas and pay it off when the bill comes and continue to repeat until you see your scores surge provided that you don’t get any new bad credit.
Talk to your creditors
The creditors are the final people with whom you should talk. And if you call them they will surely help you. When you are having issues, contact them and discuss the situation. Some of them offer temporary hardship programs which lower the monthly payments until you can improve your credit.
Stay patient and persistent
In order to improve your credit score, you must keep your patience. Well, this is something you should have when you are improving your credit. The credit score doesn’t get damaged overnight, so never expect it to enhance in a short time span. You will have to pay your debts continuously on time every month and you will surely see the scores to improve over time.
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Pray for Texas
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Recipe For The Month Fettuccine with Sausage & Kale Ingredients: 1 pound fettuccine 1 pound spicy Italian sausage, removed from casing 1/2 cup heavy cream 1 large bunch kale, trimmed and coarsely chopped 1/2 cup grated parmesan
Instructions:
In large pot of boiling, salted water, cook pasta until al dente; drain. In large skillet, cook sausage over medium-low until browned, about 7 minutes. Add 1/2 cup water and cream; simmer until reduced by half, about 7 minutes. Add kale; toss until wilted. Remove from heat; toss with pasta. Sprinkle with parmesan.
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Must See Listings 1535 Foxbrook Cir Lancaster, SC 29720
Cheaper than Rent! Become a homeowner today! Spacious master bedroom features a deluxe garden tub and double sinks. This split bedroom plan has a eat in kitchen deck on the rear almost .5 acres. Not to mention some of the best schools in the county! Schedule an appointment today!
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Must See Listings 49 Oak St Great Falls, SC 29055
UNDER CONTRACT
Priced to sell fast!! Great investment or place to start! Lots of opportunities to make this house a home. Call us to schedule an appointment today!!!
1853 Old Lynwood Cir Lancaster, SC 29720
Don't judge a book by its cover! This home features laminate flooring a spacious kitchen with indoor laundry area. Just minutes from all local amenities. Carport and handicap ramp.
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Must See Listings 2586 Watson Dr Lancaster, SC 29720
Hot Buy that won't last long!! This 1.5 story home features a double car garage, master on main has a garden tub with jets and separate shower , screened porch, spacious kitchen with updated countertops, ceramic backsplash and cabinets. There is an overlook to the family room which features a gas fireplace. Schedule your appointment today!
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Must See Listings 390 Montgomery Road, Lancaster SC 29720
Family paradise! 6 bedrooms/3.5 baths, indoor slide from 2nd level to the main level. Hot tub and bar off master bedroom, wraparound porch. Mother in-law suite w/2nd kitchen in the basement. Almost 1 acre lot, just off 521.
Website: http://ericahomes.com
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Must See Listings 1528 Winthrop Ave Lancaster, SC 29720
Just off 200!! Oversized corner lot and laundry room with carport. Enjoy the enclosed porch on the rear!! Hardwood flooring. Website: http://ericahomes.com
Contact Number: 803-712-4194
Must See Listings 815 Blackmon St, Rock Hill, SC 29730 Beautiful single family home! With 3 bedrooms, 2 bath, hardwood floors, spacious rooms and much more.... located in a well established neighborhood. Close to local amenities.. Minutes from I-77.
Want to sell? Ask us about our 72 Hour Offer Program Website: http://ericahomes.com
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Must See Listings 2669 Pineview Dr. Lancaster, SC 29720
Entertainment at Its Best!! Oversized sunken family room with sliding glass doors that lead out to the enclosed in ground pool for privacy. Enjoy late night gatherings under the gazebo, by the fireplace or in the formal areas! Plenty of outside storage! Lots of options to make this HOME SWEET HOME!!!
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Must See Listings 115 Lancaster St Chester, SC 2970
Great investment property! Brick home with 3 bedrooms, 1 bath and living located in less than half a acre. Priced to sell fast, call us to schedule appointment! Website: http://ericahomes.com
Contact Number: 803-712-4194
Must See Listings 0 E Off Hwy 522 Road, Lancaster, SC 29720
Very desirable area just outside the NC state line! Priced to sell!
2292 Colony Acres Dr Sharon, SC 29742
Great investment property! 3 bedroom, 2 bath with spacious living room sits in 13.02 acres. Priced to sell fast. Won't last long.
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Must See Listings 1108 5th St Lancaster, SC 29720
In the heart of the city with county taxes only, central heat and air, spacious rooms with sun porch, hot buy. One you don't want to miss!
Elizabeth , Pageland, SC 29728
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Must See Listings 216 Nichols Rd Lancaster, SC 29720
Newly remodeled! In the heart of town close to all local amenities ... best part of all- NO MONEY DOWN!!
88 Jasper Rd Pageland, SC 29728 No Down Payment! Split bedroom plan with spacious master suite, foyer. The home has an office that can be used as a fourth bedroom. The oversized kitchen features upgraded cabinets and island.
Website: http://ericahomes.com
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Must See Listings 106 Mine Street , Jefferson, SC 29718
NO DOWN!!! Awesome 3 bedroom & 1.5 bath brick home in established neighborhood. Property sits on little below 1/2 acre lot. Carport and additional area provides lots of space for parking. Priced to sell fast. Call us to schedule a showing!!.
Website: http://ericahomes.com
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Must See Listings 806 Dillon Ave NW, Aiken, SC 29801
2222 Oaktree St, Florence, SC 29501
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Must See Listings 809 Sowell St Lancaster, SC 29720
Awesome opportunity! This one is priced to sell! This home is within walking distance of a local park and lots of local amenities! Schedule an appointment today. Income producing property at $550 a month. Website: http://ericahomes.com
Contact Number: 803-712-4194
Must See Listings Taxahaw Rd
Broad Street E C Ridgeway, SC
Several lots to build your dream home …… No money down!!
Shameisha Adams (803)526-1648 shameisha@ericahomes.com
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Must See Listings 309 Dixon Rd, Lancaster
Investment 108 East Blvd, Chesterfield, SC
Co
i c r e m m
y t r e p o r P l a
Website: http://ericahomes.com
Diane Porter 803-385-8596 deporter@truvista.net
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Must See Listings 311 Moore Street, Lancaster SC
E C I R P
T N E M E V O R P M I
Awesome 1 Story brick home located near local amenities!! Spacious 3 bedrooms with lots of storage space. The time period for which this home was built and the hardwood floors give this home a lot of character!
163 Gadsden St, Chester, SC 29706
PRICE IMPROVEMENT
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Must See Listings 361 Gates Ave Rock Hill, SC 29730
P
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Seeing is Believing! Come tour this spacious home just minutes from I-77 and other local amenities!. Its awesome kitchen has an island AND an area large enough for formal dining. This open concept and fireplace w/ gas logs are great for entertaining. The master suite features a garden tub, double sinks and a walk in closet. Make this house YOUR Home!!
Website: http://ericahomes.com
Contact Number: 803-712-4194
Under Contract 6348 Rhodins Ln, Indian Land, SC 29707
E D N U
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No Money Down!! Conveniently located off 521 just minutes from 485 and I77. Top rated schools. This home also features upgraded flooring, fireplace and a private bath in each bedroom. Website: http://ericahomes.com
Contact Number: 803-712-4194
Under Contract 1295 Stanley Drive, Rock hill, SC
N O C R E D UN
T C A R T
This home is minutes from USC, I-77, Downtown Columbia & Vista it's a must see for investors, First Time Homebuyers or for your college student!
2142 Pacer Rd, Lancaster, SC 29720
T C A R T N O C R
No Money Down!! This new construction won't last long. This split bedroom plan features vaulted ceiling in the family room and a tray ceiling in the master which also has a walk in closet. Lots of house for the money. Become a homeowner today
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E D UN
Client’s Testimony SWYD and say Congratulations!! Happy clients you should be here!!! #Congrats www.BuyorSellwithEricaHomes.Info
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Client’s Testimony "We have truly been blessed to have Erica Homes, LLC and her team guide us on our journey to home ownership. They were very knowledgeable, hands on, hard working and committed to our every need. We will certainly recommend them to our friends, family and anyone else seeking home ownership! -Richard & Felicia"
Happy clients!! You should be here!! Www.BuyorSellwithEricaHomes.info Website: http://ericahomes.com
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Client’s Testimony We can't make this stuff up!! #HireUs #DontTakeOurWord #ProofisinthePudding
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Client’s Testimony
I was really happy with Erica’s results from selling my house. It was very fast. I’m glad that she is my real estate agent. I’m going to use her again when I get ready to buy more property. - James Rayfield Website: http://ericahomes.com
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Client’s Testimony
If you want your house SOLD, call Erica! She really did a good job and she knows what she is doing. She is really knowledgeable. You won’t be disappointed. C. Hudson
Happy clients!! You should be here!! Www.BuyorSellwithEricaHomes.info Website: http://ericahomes.com
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Homework ALLOW US TO DO YOUR HOMEWORK!!
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Homework 200 N Burris Road, Sharon SC 29742
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2029 Lynwood Dr, Lancaster, SC 29720
L O S
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YOUR HOME COULD BE HERE!!! Website: http://ericahomes.com
Contact Number: 803-712-4194
Homework 8441 Windsor Ridge Dr, Charlotte, NC 28277
L O S 425 Rivewalk Way, Irmo SC 29063
L O S
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7 Terrell St, Spartanburg, SC 29301
! D
L O S
YOUR HOME COULD BE HERE!!! Website: http://ericahomes.com
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Trivia Time! Mid Month Trivia Time! Q. What is the flower for November?
Last Month's Winners Tasha Brown Armanda Itson
Email your answer to hr@ericahomes.com The first 5 people to respond with the correct answer wins a prize!!
Last month’s Answer! Q. For what Latin number is October named? A. Octo
If you are reading this magazine, so are your potential customers. Do you want to advertise your events, your business or your organization to thousands of potential customers? For Details: Email: hr@ericahomes.com
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Career Opportunities
We're Expanding! We are hiring! Agents (Newly licensed, Part Time, Seasoned, Referral) Transaction Coordinator Marketing Representative Seasoned Phone Inside Sales Representative Outside Sales Representative Accounts Payable and Receivable Specialist Operations Manager Listing Coordinator Apply by visiting www.awinningteam.us
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