The Landing at Folkstone

03/07/2022

https://christina.jacksonvillenchomes4sell.com/property-report/

Find Out If It's Time To Sell Your Home With Our Comprehensive Property Report. Get Yours Now!

02/10/2021

Villa/Townhouse property for sale in Holly Ridge,NC (MLS #100256188). Learn more from Berkshire Hathaway HomeServices Hometown, REALTORS®. The kitchen finishes are up to date, and it has tons of counter space with an overhang for bar stools.

10/22/2020

How to Dispute Credit Report Errors
If you’ve checked your credit reports lately for errors, congratulations! That’s a smart first step to improving your credit score, which can make getting approved for home loans and credit cards, along with getting the best interest rates, a lot easier.

Errors can be as simple as a misspelled name, wrong phone number or address, or as serious as an account wrongly reported as delinquent.

The next step is to fix them. Here are some ways to resolve errors on your credit reports:

Write the Credit Bureaus
Write a letter to the credit reporting bureau where you found the mistake. Equifax, Experian and TransUnion are the three major credit bureaus, and you can write to them online or by mail.

Include your contact information, and explain the error you found and why it’s wrong. Include supporting documentation, such as a copy of an email verifying the status of an account that has been reported incorrectly.

The Consumer Financial Protection Bureau has sample letters on its website for disputing credit reports. Be sure to keep copies of any letters or documents you send, and if sending anything by mail, use certified mail with a return receipt.

Alert Creditors
Banks and credit card issuers that provide information about you should also be notified of errors, unless it’s an identity-related mistake made by the credit bureau—those should be sent directly to the credit bureau.

Also known as furnishers, companies that provide information to credit bureaus will often have their address listed on your credit report so you can contact the company directly.

Allow 45 Days
After reporting errors, allow up to 45 days for them to be fixed. The credit bureau generally has 30 days after receiving your dispute to investigate and verify the information with the furnisher. The credit bureau must report the results back to you within five days of completing its investigation.

If you dispute an error with the furnisher, it typically takes 30 days to investigate and they must report their findings to you.

If you’ve submitted incorrect or incomplete information, or have tried to contest the same item multiple times without any new information, then the bureau or furnisher may decide your dispute is frivolous. They must tell you this within five days, along with providing their reasoning. Once this is done, they don’t need to investigate further. You can resubmit a dispute with updated materials if your original dispute was labeled frivolous.

Even if the furnisher insists the dispute information is accurate, you can ask the credit bureau to include a statement in your credit file explaining the dispute.

Check Back
Credit report updates may take a while to appear, depending on when new information is sent and a bureau’s update cycle. If you don’t see a change in a few months, contact them again to verify that your account information is being reported and updated.

10/21/2019

Here are five easy tips to get your home ready for the market.

5 Tips for Staging Your Home A few small changes can go a long way when it comes to selling your home and staging is one of the most effective ways to help speed up the process. If you want to maximize the charm for prospective buyers, here are five easy tips to get your home ready for the market. C...

10/21/2019

Feeling in need to connect with nature?

Nature-Inspired Decor for Your Home Want to feel more connected to nature? Bring the great outdoors into your home, and spruce up your living space! Place potted plants and trees throughout your home. Studies suggest that, in addition to looking nice, plants can improve your health. Incorporate orga...

10/16/2019

Consider your family's quality of life, finances and relationships.

Is Moving to a New State a Good Idea for Your Family? If your current employer has offered you a promotion at another location, you’ve been offered a more lucrative or prestigious position with another company, or you want to be closer to a loved one with medical issues, you might be thinking abou...

10/15/2019

Trying to decide whether to rent or buy? Begin by asking yourself these important questions.

Getting Ready to Rent? Buying Might be a Smarter Choice Between down payments and closing costs, buying a home is a big financial commitment that may seem out of reach for those who ultimately choose to rent instead. However, in today’s market environment of rising rents, the difference in cost be...

10/14/2019

Focus on quality over quantity when it comes to family hangs.

Family Time: Think Quality, Not Quantity Between busy working parents and overscheduled kids, the concept of family time seems to be barreling toward extinction. But just because everyone’s time crunched doesn’t mean that family bonding has to suffer—it’s a simple matter of quality versus qu...

10/09/2019

Give your guests a relaxing retreat with these tips.

5 Guest Room Upgrades Does your guest room get frequent use from visiting friends and relatives? Read on for five tips on upgrading your guest space for privacy and comfort. Allow for bedding customization. Does your guest’s temperature run hot or cold? Make sure your bedding can accommodate both,...

10/09/2019

You don't need to go big to make a big difference in your kitchen. Small updates can go a long way...

Affordable Ways to Update Your Kitchen Is your basic kitchen a bit too blah? With a little creativity and a minor investment, you can improve the style and flow of the most popular room in your house. Try one of these ideas from the design experts at Better Homes & Gardens. Have standard wood cabine...