Mythbusters and Your Credit Score #8

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stopMyth: A collection account can only be reported to your credit once.

Busted: Once you’ve entered into debt collection, that collection can be sold many times. Each time the new creditor assumes the debt and begins the collection process it gets reported. Unpaid bills can haunt your credit score for a long time.

If you would like Rick and Sharon to meet with you to discuss buying or selling a home please call 361-433-0520. Or email rick@gcrtx.com or sharon@gcrtx.com. Ask about our Educator Incentive Program. Try our Property Search to find houses with up-to-date information. Like us on Facebook!

Mythbusters and Your Credit Score #7

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stopMyth: If you have high balances on your credit card and you pay on time it will improve your score.

Busted: High balances will hurt your score even if you pay on time. Keep your balance to no more than 30% of your credit limit.

If you would like Rick and Sharon to meet with you to discuss buying or selling a home please call 361-433-0520. Or email rick@gcrtx.com or sharon@gcrtx.com. Ask about our Educator Incentive Program. Try our Property Search to find houses with up-to-date information. Like us on Facebook!

In and Around Victoria #18 – Texas Seafood Restaurant

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Texas Seafood – located at 2202 N Navarro

shrimp_fried_rice

Texas Seafood offers fresh local seafood, some Vietnamese dishes, and fresh daily specials. Check out their online menu. One of my favorite menu items is Shrimp Fried Rice. For me, it’s enough for two meals and it’s really yummy! Their service is friendly and fast and portions are plentiful.

In and Around Victoria highlights places to go, things to see, and local area restaurants. The posts are in no particular order or ranking. Let us know if you have a local area attraction that you’d like to see highlighted in the blog. Post a comment or give us a call 361-433-0520

If you would like Rick and Sharon to meet with you to discuss buying or selling a home please call 361-433-0520. Or email rick@gcrtx.com or sharon@gcrtx.com. Ask about our Educator Incentive Program. Try our Property Search to find houses with up-to-date information. Like us on Facebook!

Mythbusters and Your Credit Score #6

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stopMyth: Running your credit report will lower your credit score.

Busted: When you pull your credit report to review your credit it’s considered a ‘soft inquiry’ and it should not affect your credit score. When a lender or creditor pulls your report for the purpose of giving you a loan or extending your credit it’s considered a ‘hard inquiry’ and it can impact your credit score negatively.

If you would like Rick and Sharon to meet with you to discuss buying or selling a home please call 361-433-0520. Or email rick@gcrtx.com or sharon@gcrtx.com. Ask about our Educator Incentive Program. Try our Property Search to find houses with up-to-date information. Like us on Facebook!

Appy Days – Cultiwords is FREE today with AppGratis.

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cultiwordsCultiwords – An example of an app from AppGratis – one free app per day. The app for today is Cultiwords, a unique word-of-the-day game made by memory specialists to boost your vocabulary while improving your memory! By playing with the words you can improve your short term memory. Download AppGratis and get notifications for your free app per day.

Appy Days – We will share useful apps on a regular basis so please visit often for the next new app. If you have one you really like please let us know so we can share out to everyone. Email sharon@gcrtx.com or give us a call 361-433-0520.

If you would like Rick and Sharon to meet with you to discuss buying or selling a home please call 361-433-0520. Or email rick@gcrtx.com or sharon@gcrtx.com. Ask about our Educator Incentive Program. Try our Property Search to find houses with up-to-date information. Like us on Facebook!

Appy Days – AppGratis

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appgratisGet free and paid-to-free apps daily. AppGratis hand-picks and tests every single app they recommend. AppGratis will push one notification per day to let you know about the free or discounted app that’s available for that day.

Appy Days – We will share useful apps on a regular basis so please visit often for the next new app. If you have one you really like please let us know so we can share out to everyone. Email sharon@gcrtx.com or give us a call 361-433-0520.

If you would like Rick and Sharon to meet with you to discuss buying or selling a home please call 361-433-0520. Or email rick@gcrtx.com or sharon@gcrtx.com. Ask about our Educator Incentive Program. Try our Property Search to find houses with up-to-date information. Like us on Facebook!

Mythbusters and Your Credit Score #5

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stopMyth: All credit reports and credit scores are the same.

Busted: There are three main credit bureaus – Experian, Equifax and Transunion. Each credit report and credit score may vary. Each seek to document your credit history and reflect your credit risk.

If you would like Rick and Sharon to meet with you to discuss buying or selling a home please call 361-433-0520. Or email rick@gcrtx.com or sharon@gcrtx.com. Ask about our Educator Incentive Program. Try our Property Search to find houses with up-to-date information. Like us on Facebook!

Appy Days – Google Maps

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googlemapsGoogle Maps is the best map-app in the app store! Features include:

  • Voice-guided, turn-by-turn navigation, whether driving, walking, biking or taking public transit
  • Use My Location and Compass Mode to find and orient yourself on the map
  • Find the best walking route from point A to point B

The features for the iPhone and Android vary slightly but Google Maps is the best app to use to navigate your world.

Appy Days – We will share useful apps on a regular basis so please visit often for the next new app. If you have one you really like please let us know so we can share out to everyone. Email sharon@gcrtx.com or give us a call 361-433-0520.

If you would like Rick and Sharon to meet with you to discuss buying or selling a home please call 361-433-0520. Or email rick@gcrtx.com or sharon@gcrtx.com. Ask about our Educator Incentive Program. Try our Property Search to find houses with up-to-date information. Like us on Facebook!

Appy Days – Flashlight

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flashlightThe free Flashlight app turns your smartphone into the brightest flashlight! You’ll always have your flashlight with you. It’s simple but I’ve used it a bunch. Search ‘flashlight’ in the app store and look for the icon.

Appy Days – We will share useful apps on a regular basis so please visit often for the next new app. If you have one you really like please let us know so we can share out to everyone. Email sharon@gcrtx.com or give us a call 361-433-0520.

If you would like Rick and Sharon to meet with you to discuss buying or selling a home please call 361-433-0520. Or email rick@gcrtx.com or sharon@gcrtx.com. Ask about our Educator Incentive Program. Try our Property Search to find houses with up-to-date information. Like us on Facebook!

Mythbusters and Your Credit Score #4

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stopMyth: If you only use cash that will help your credit score.

Busted: Good credit is a process of responsibly using your credit over time. You need to establish your credit history.

If you would like Rick and Sharon to meet with you to discuss buying or selling a home please call 361-433-0520. Or email rick@gcrtx.com or sharon@gcrtx.com. Ask about our Educator Incentive Program. Try our Property Search to find houses with up-to-date information. Like us on Facebook!