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the beginner s guide to real estate investing phần 3

Gần như mỗi cộng đồng đều cung cấp cho các nhà đầu tư bắt đầu cơ hội tham gia hiệp hội một chủ sở hữu căn hộ tại địa phương hoạt động hoặc câu lạc bộ đầu tư bất động sản. Ngoài ra, ở các thành phố công nghiệp vừa và lớn nhất, bất động sản và cho vay ưu thường cung cấp miễn phí (hoặc giá rẻ) hội thảo về đầu tư và tài trợ. | Strengthen Your Credit Power 47 Contact the Credit Source and the Credit Repository Simultaneously Most credit advisors tell you to notify the credit repository point out the change you deserve and formally in writing seek compliance with your request. Good advice except for one critical fact Credit repositories primarily report only the information your creditors give them. Unless the repository has botched the data it s been given which does happen the repository must contact the misreporting creditor. If the creditor does not respond within 30 days the repository must remove the disputed item. However if the creditor says Sorry no mistake on our part the record remains as is. The problem s back in your lap but now 30 days may have passed by. To head off this potential delay contact the original source of the information simultaneously and ask to have new corrected info sent to the repository. Upon request some friendly creditors will even eliminate derogatory remarks if you re a customer the creditor values. On the other hand if you re dealing with a hostile or indifferent creditor you could face a prolonged battle. In that case the loan underwriter will either waive the derog upon suitable explanation from you offer you a higher-cost less-desirable loan or flat out suspend commitment until you obtain the creditor s correction or release. To get their mortgage closed on schedule many borrowers have had to pay disputed claims. Acting early prevents forced settlements on eat-crow terms. So carefully review your credit reports now. Avoid getting into a borrowing situation where you re offering last-minute pleas under deadline conditions. Credit bureaus only report the data creditors provide them. Your spouse or partner s low credit score can squelch your loan approval. Multiple Borrowers Multiple Scores When you and your spouse or other coborrower want to buy and finance an investment property all borrowers will need credit scores or explanations that equal or .