Vernon, CT Real Estate News

By Matt Listro, Your Credit Repair Expert
(National Credit Fixers - Matt Listro)
I've spent some time recently reading reviews of my company, National Credit Fixers, online. It's interesting to see what past customers have to say, as well as what review sites are rating us. In the midst of this research, I was able to see how presopective clients and reviewers viewed my company, based soley off my website. One of the most common complaints was that my process wasn't spelled out in one location, but rather explained in different sections of the site. Well you spoke and I listend - a new page has been created that details the process that clients of NCF go through. Hopefully this will provide a better understanding of how we achieve our great credit repair results!         :)     MattToll Free: 888-NCFIXER (623-4937)Toll Free Fax: 888-FAX-4020 (329-4020)Local: 860-282...
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By Matt Listro, Your Credit Repair Expert
(National Credit Fixers - Matt Listro)
While many people have heard of the FICO credit score, and know its applications, very few understand the factors that go into computing a FICO score. One of the most overlooked factors is known as 'mix of credit'. This item makes up 10% of your total FICO score - not a percentage to be taken lightly! The 'mix of credit' is, like most of the FICO factors, pretty self-explanatory. The FICO model is looking for consumers who diversify their credit. That is, they have experience in using many different kinds of credit. A person who has only credit cards, for example, would have a credit profile that is lacking in diversity. This would hurt their FICO score. To figure out how well you mix up your credit, FICO calculates how close  you are to what they consider an 'ideal consumer'. This cons...
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By Matt Listro, Your Credit Repair Expert
(National Credit Fixers - Matt Listro)
Most consumers, and everyone in the mortgage and real estate industry, know about the FICO score. Generally, when people talk about a 'credit score', they are talking about FICO. This score is used to approve consumers for loans, mortgages, and credit cards! But the FICO score is not the only version of the credit score! There are many other score models out there. The difference is - most lenders don't use them! That's where scam companies come in. They will sell you these 'credit scores' for cheap. Many consumers will buy them thinking they are a FICO score. But instead, they are buying FAKO scores!   Tell your clients to beware of FAKO scores! Has anyone had any experience with these?   :)       MattToll Free: 888-NCFIXER (623-4937)Toll Free Fax: 888-FAX-4020 (329-4020)Local: 860-282...
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By Matt Listro, Your Credit Repair Expert
(National Credit Fixers - Matt Listro)
National Credit Fixers has made a print magazine appearance. Anyone who subscribes to us can see us on page 46. Conveniently, we're placed on the same page as an artcile about how credit can help close loans faster!     Anyone get this magazine, and see us?   :)       MattToll Free: 888-NCFIXER (623-4937)Toll Free Fax: 888-FAX-4020 (329-4020)Local: 860-282-6181281 Hartford Turnpike Ste 500   Vernon CT 06066    
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By Matt Listro, Your Credit Repair Expert
(National Credit Fixers - Matt Listro)
I know many of you, like me, are very interested in the performance of your website. My credit repair site, for example, drives a majority of my business! As such, it is important to gain 'google juice' to make sure your website shows up in search rankings. This allows you to attract the most possible customers!   One of the main indications of how your website is doing is known as google's 'pagerank'. On a scale of 1-10, google ranks your site based primarily on the quality of links that are pointing to your site. This is generally updated four times a year.   From what I have read online, we're prett behind google's normal update schedule! They never reveal their exact dates, but its usually every 3 months - which would have been this May. As of yet, no PR update! I read on a few blog...
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By Matt Listro, Your Credit Repair Expert
(National Credit Fixers - Matt Listro)
Virtually anyone who deals with business, finance, or sales has heard of the FICO score. This credit score is the granddaddy of all credit scores. It is used to check your creditworthiness for a mortgage. But it is also used for other loans, credit cards, employment: the uses are limitless! Over the years people have been working to repair FICO scores, myself included! But many simply go through the repetitive motions. Certain actions are proven to help FICO scores, and many consumers and professionals do them without thinking. But it is important to truly understand the FICO score before we can understand credit repair! The answer here is simple: so simple I could fit it on twitter! The FICO score was designed with one purpose in mind: to predict whether a consumer will be a '90 day la...
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By Matt Listro, Your Credit Repair Expert
(National Credit Fixers - Matt Listro)
On Monday NCF exhibited at the Ultimate Mortgage Expo: complete with a keg each of Bass and Guinness! With dozens of exhibitors, and a huge conference hall, it can often see overwhelming to try to stand out from the crowd. The key in being able to effectively market yourself in such a large venue is simple: do something very different! For us, we paid a little extra to give away free beer at our booth. Believe me, I don't think anyone missed us!     :)       MattToll Free: 888-NCFIXER (623-4937)Toll Free Fax: 888-FAX-4020 (329-4020)Local: 860-282-6181281 Hartford Turnpike Ste 500   Vernon CT 06066
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By Matt Listro, Your Credit Repair Expert
(National Credit Fixers - Matt Listro)
National Credit Fixers was proud to exhibit at the Ultimate Mortgage Expo this Monday and Tuesday. Held at the Tropicana in Atlantic City, it was a great resource for people in mortgage-related industries, as well as a lot of fun! Was anyone else there and saw our booth?   :)       MattToll Free: 888-NCFIXER (623-4937)Toll Free Fax: 888-FAX-4020 (329-4020)Local: 860-282-6181281 Hartford Turnpike Ste 500   Vernon CT 06066
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By Matt Listro, Your Credit Repair Expert
(National Credit Fixers - Matt Listro)
In any kind of business, you always need to keep a record of client data: and amass a  huge amount of files in the process! Believe me, in this category credit repair is no exception. With hundreds of current clients at any given time, the amount of information that has to be organized is dizzying! The ultimate question about organizing data is this: paper or electronic? I know people who swear by good old fashioned manilla folders, looking to keep a paper trail of everything. Others cite the backup capability and clutter-free benefits of keeping only electronic folders. Me? My business has evolved to use a mixture of both. Any correspondence sent in by clients we keep in paper form in a big filing cabinet. But all our clients' personal data, as well as any forms we recieve by e-mail, a...
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By Matt Listro, Your Credit Repair Expert
(National Credit Fixers - Matt Listro)
Like many of you, my website is an integral part of my business. Over half of my clients find me on the internet while searching for credit repair! Because of this, it is crucial that my website is both useful, and that it is highly ranked by search engines! When I designed my original website years ago, I included lots of different subpages. These pages gave useful information about how credit repair works, and the history of my company. These pages were ranked by Google, and people looking for information on credit repair were often directed to the useful information contained on my website. Over the years, however, I haven't done much to change these pages. On the one hand: I shouldn't have to, the information is still useful, accurate and applicable! However, I recently heard that s...
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By Matt Listro, Your Credit Repair Expert
(National Credit Fixers - Matt Listro)
I was recently reviewing the computer backup system that I have in my office, and I started to get worried. All of my office's important data is contained on a network drive that everyone can access. This drive is then backed up, every night, to another drive. My thought process back then was that if a drive failed one day, I still had a copy of its data from the day before! While this idea still holds true for drive failure problems, I realized I was unprepared for a 'human error' type problem. Let's say someone in my office accidentally deleted a key folder, and didn't notice until a week later. Because I only have backups for the past day, it would be missing forever! To solve this problem, I have added another set of backups to my routine: weekly backups. Once a week, my network fol...
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By Matt Listro, Your Credit Repair Expert
(National Credit Fixers - Matt Listro)
Over the years, I've worked on different ways to market my business (credit repair) to consumers. My task, in a nutshell, is to convince them that I would do a good job at repairing their credit if hired. Easier said than done. Obviously things like stating that you are "BBB A+ rated" or that you "have been in business for 17 years" are helpful at establishing your business as reputable. But, clients want more than that. They don't want to know that your business has been around and functioning, they want to see results for themselves. I've found the best way to convert prospective clients who are on the fence, is to show them examples of what I have done in the past. In credit repair, I have wave hundreds of letters in front of them that show derrogetory items have been removed from a ...
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By Matt Listro, Your Credit Repair Expert
(National Credit Fixers - Matt Listro)
Individuals know the importance of their credit score. It determines whether or not they can buy a house, or a car, or get a loan! Their credit score is checked wherever they look, from applying for a job, to applying for a store card, to getting a mortgage. As such, people (or most of them anyway) try to improve their credit wherever possible.   But in a Business, all too often credit falls under the radar. Businesses don't realize that their credit can have a monumental impact, and many don't understand that businesses get credit rated too! Similar to personal credit, your business credit score determines how much of a risk you are. If you are a low risk, it is much easier to find funding for your business. But if your credit score is low, you might find it incredibly difficult to get...
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By Matt Listro, Your Credit Repair Expert
(National Credit Fixers - Matt Listro)
If someone had asked me what is the simplest, most overlooked technique to quality credit repair, my answer would likely surprise them: certified mail. Certified mail is the most underrated, underutilized aspect of credit repair. Most credit repair companies don’t employ certified mail (read about 98% here). If it works so well then why don’t they use it? Money – plain and simple. Certified mail is very expensive and other credit repair companies would rather make a few extra bucks or try to undercut each others’ prices for the cheapest service rather than use certified mail and get better results for the client! But the Benefits of certified mail clearly outweigh the costs, at least in my opinion. Regular mail can get easily lost in the shuffle, set aside in a mailroom, not to be touch...
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By Matt Listro, Your Credit Repair Expert
(National Credit Fixers - Matt Listro)
Hi everyone, In an average day at my credit repair company, I find myself explaining the process of credit repair multiple times. I figured why not create a video that explains the basics of credit repair to all! Let me know what you think, or anything I could add to make the video more clear!     :)       MattToll Free: 888-NCFIXER (623-4937)Toll Free Fax: 888-FAX-4020 (329-4020)Local: 860-282-6181281 Hartford Turnpike Ste 500   Vernon CT 06066
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By Matt Listro, Your Credit Repair Expert
(National Credit Fixers - Matt Listro)
In my line of work (credit repair), I deal with a TON of different collection agencies. These collection agencies often send out letters to my clients demanding payment for a debt they have been hired to collect, or have acquired themselves. These agencies, however, MUST BE LICENSED in most states in order to collect. Sometimes, collection agencies attempt to act ILLEGALY, and collect in a state where they are not licensed. There is no good way to determine if a collection agency is licensed, other than spending way too much time either surfing through a state's website for a search tool, or calling the state and dealing with phone beauracracy. (It earns its reputation, believe me!).   Instead, I have taken some time to create a ONE-STOP source for all the licensing information for eac...
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By Matt Listro, Your Credit Repair Expert
(National Credit Fixers - Matt Listro)
My Story A few years back, I did some credit work for a client, and his check bounced. Contacting the client did no good, and he refused to make good on the payment. Eventually, I won in small claims court, which ordered him to pay the amount he owed.   The Tricky Part I soon found out, however, that simply getting a decision in small claims court was only the bare beginning of the process! From there, I had go to great lengths to collect on my payment: from placing a lien on his house, to hiring a marshall service to actually seize money from his bank account.   Today Unfortunately, there was little that even the marshalls could do over the years. They could only seize from his bank account what little he had in there when they went, a pittance compared to the sum owed. Now, almost 10 ...
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By Matt Listro, Your Credit Repair Expert
(National Credit Fixers - Matt Listro)
For years I have been working to help individuals get what they want (e.g. car loan, mortgage et.c) by improving their credit. But individuals aren't the only ones who are restricted from getting what they want due to bad credit: businesses are too! Businesses seek funding to grow and invest in their business, and are often held back by their poor credit score. That's why I am pleased to announce that National Credit Fixers will now be offering a business credit repair program! This program will remove inaccurate or unverifiable items off your report, improving the credit score of your business! Because each business is different, business credit repair is quoted on a case by case basis. Call us today for a free consultation on this service!   :)   MattToll Free: 888-NCFIXER (623-4937)T...
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By Matt Listro, Your Credit Repair Expert
(National Credit Fixers - Matt Listro)
I recently got asked a question from my 19 year old nephew: "When should I start building up my credit history?". He is finishing up his freshman year of college, and plans on taking out loans for law school when he graduates. My advice to him: start now! People often don't think about their credit until they graduate, and start looking for graduate school loans, or a car loan, or even a mortgage. The fact is, there are steps you can take to build up your credit history even when you are just in undergrad, and it will help you trying to get those loans down the line!   Here's what I told him to do:   1. Most important, sign up for a student credit card. They will probably only give you a low (500-1000) credit limit, and you may also need a cosigner. 2. Use this credit card everywhere! 3...
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By Matt Listro, Your Credit Repair Expert
(National Credit Fixers - Matt Listro)
I mentioned in a blog post a few months ago that National Credit Fixers had moved into a new office. But I realized I never posted a picture of our office once it was all up and running! We are now located at 281 Hartford Turnpike Ste 500 Vernon CT 06066, and as you can see below, the space is much better! New diggs, but still the same great credit repair we've always offered!     :)   MattToll Free: 888-NCFIXER (623-4937)Toll Free Fax: 888-FAX-4020 (329-4020)Local: 860-282-6181281 Hartford Turnpike Ste 500 Vernon CT 06066  
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