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The AmeriFirst Home Buyer Learning Center

Identity Theft and How Thieves Steal It | Crystal's Credit Corner Ep 11

Posted by Crystal J Smith on Tue, Jul 21, 2015

No one starts their day planning to become a victim of identity theft; and yet it happens to thousands of people every day. 

What can you do to help protect yourself? We have a few tips here. While it's certainly not a 100% guarantee, hopefully this advice helps. 

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Topics: credit questions, Crystal's Credit Corner

A Quick Look At Identity Theft | Crystal's Credit Corner Ep 10

Posted by Crystal J Smith on Tue, Jul 14, 2015

Identity theft is a scary thing. Someone could take your sensitive and private information, and "become" you in order to take your money and credit. While it's a frightening scenario, and does happen every day in the world, it's not something you need to worry about so much that you simply go "off the grid" and stop living in the real world.

There are a few things you can do regularly to help protect yourself from the dangers of identity theft. This will help protect your credit portfolio and credit score. For a look at these quick tips, watch our latest video below.

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Topics: credit questions, Crystal's Credit Corner

Sifting Through The World Of Credit Repair | Crystal's Credit Corner Ep 9

Posted by Crystal J Smith on Tue, Jul 7, 2015

From junk email to pop-up ads to unsolicited phone calls ... the world of credit repair sure seems to be a shady place. Some of its reputation is earned. Many advertised credit repair services have taken advantage of consumers. Not all of these businesses are bad, but the industry is definitely tarnished.

The problem is that some hopeful home buyers need some help with their credit scores. So... how do you find out the right answers to get your credit mortgage-ready? Watch our short video below for a few tips. 

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Topics: credit questions, Crystal's Credit Corner

It's Not Too Late To Rebuild Your Credit! | Crystal's Credit Corner Ep 8

Posted by Crystal J Smith on Tue, Jun 30, 2015

Credit repair is a common term in today's world. Unfortunately, it has a bad reputation. Many advertised credit repair services have turned out to be bad business for consumers. Also, credit repair isn't really what goes on when a licensed mortgage consultant helps you get your credit ready for a home loan. It's really rebuilding credit.

You have to work on your credit score, rebuilding it when you have blemishes on your credit report. So ... how do you rebuild your credit and get it ready for a mortgage? We have a few tips in this episode of Crystal's Credit Corner. 

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Topics: credit questions, Crystal's Credit Corner

Why Did My FICO Score Drop? | Crystal's Credit Corner Ep 7

Posted by Crystal J Smith on Tue, Jun 23, 2015

Dealing with a FICO score while buying a home can be daunting. your credit score is a major factor when it comes to financing your home. So...why would it fall if you're "working" on it? There are several reasons your FICO score might dip, even when you're working to positively impact it. Watch our video below for a few credit tips. 

 

Why Did My FICO Score Drop?

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Topics: credit questions, Crystal's Credit Corner

6 Myths, Mistakes and Misconceptions About Credit | Crystal's Credit Corner Ep 6

Posted by Crystal J Smith on Tue, Jun 16, 2015

From credit repair to radio shows to parental advice, a lot has been written or said about getting your credit ready on-track. Some of it is great information. Some of it falls short. It's time to look at some common advice and thoughts on credit, and see what's good and what isn't when it comes to a mortgage loan.

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Topics: credit questions, Crystal's Credit Corner

How to Write A Credit Report Dispute Letter | Crystal's Credit Corner Ep 5

Posted by Crystal J Smith on Tue, Jun 9, 2015

Sometimes you just need to be able to explain yourself and argue your point. That's true in life, as well in your financial story. Yes, you have a financial story. We all do. Maybe it's a medical emergency that was in your past. Maybe a divorce that turned ugly. 

Sometimes our financial history needs a makeover. That often begins with what's called a credit dispute letter. Watch the video below for what this means, and how you can take this step to begin to improve your credit so you're better equipped to get a mortgage and buy a home. After all, it's important to have a good credit score as a first time home buyer.

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Topics: credit questions, video, Crystal's Credit Corner

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AmeriFirst Home Mortgage is a division of AmeriFirst Financial Corporation. 950 Trade Centre Way Suite 400 Kalamazoo, MI 269.324.4240 Equal housing lender
 

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Download your Yearly Home Maintenance Checklist!

Taking care of a home takes work and organization. While we can't do the work for you, hopefully this checklist helps you stay organized. Download your printable version below!

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Download the Home Maintenance Checklist