Ron Cooks's Blog

I’ve been working with credit challenged families for about 4 years now.  What I’ve discovered is there are common threads of thought the public has about the credit reporting sector.  I’ve compiled these perceptions into 10 MYTHS of Credit Reporting one must know: Check out Myths 1 and 2 here:  ...

The sole focus of credit bureau companies is profit, and their product is your credit file. They’re interested in how much profit your credit problems will make for them. Though there are different scoring formulas, if your credit score falls in a certain range, you are the target of minimal to s...

There is a lesson to be learned - If I lack the experience, don't hesitate to hire an experienced agent for their time.  A small consultation fee can save you a lot of money and embarrassment. Tammie lays out how inexperience or laziness can cost you. Oops, It Looks Like the Buyer's Agent Made An...

Tammie White does an excellent job explaining how we get paid. I've had to explain how the process works many times before.  Her explanation is very thorough and easy to pick up for any layman.  I will refer to it the next time I'm asked.How Does A Real Estate Agent Get Paid? This is a question t...

Historically, the function of Credit Bureaus first began as collection agencies and they only gathered negative information. Then, Fair Isaac & Company developed the FICO scoring system to improve the credit reporting system. Today, the credit rating-system uses both positive and negative informa...

Everybody loves a discount! This list of Military Discounts for Active, Reserve and Vets was compiled by Anita Clark.  Please pass this on to anybody you know that has served our nation through the Armed Forces. Military Discounts for Active, Reserve, and Retired Vets Please forward to all active...

This is a follow-up post to: Credit Repair Companies Are NOT Created Equal.   There is too much argument about the credit repair business to disregard it. In fact, the reason that most people who need credit repair help hesitate to avail of these services, is the "bad rap" the industry has gotten...

Credit repair companies are NOT created equal. Sure there are better companies than others but all credit counseling companies aren’t bad. Unquestioningly there have been some rotten eggs in the credit repair business, but the whole of the industry itself, is not out 'to get the consumer'. The wa...

For those of you that are stat junkies, like me. BLiz, suggest a fantastic way to focus your marketing efforts.  Absent of everything else, starting here will save you a lot of money targeting your demographic.Using The U.S. Government Census Data To Find Your Niche If you're a real estate agent,...

I felt compelled to forward you all a link to listen to - Art Williams the founder of A.L. Williams that sold his business to PRIMEAMERICA for billions.  Art presented this speech to the National Religious Broadcasters association in ’87. He is quite a motivator that has a gift of sparking a fire...