RE/MAX 440
John F. O'Hara

John F. O'Hara
731 W Skippack Pike  Blue Bell  PA 19422
Phone:  610-277-4060
Office:  215-643-3200
Cell:  267-481-1786
Fax:  267-354-6973

My Blog

Rebuilding Your Rocky Credit Score One Piece at a Time

May 30, 2016 1:39 am

A credit score is mainly based on your history of managing debts, such as whether you tend to make payments on time. It plays a significant role in your everyday life because the next time you apply for a loan or a credit card—or perhaps a new apartment or insurance—your score could affect the final decision, including your costs.

For the many consumers with damaged credit scores and those with no credit record, here are some ways to improve your credit scores from the FDIC:

Consult with a reputable credit counseling service to help develop a customized plan to improve your credit score, which can help you prioritize your spending choices. Counseling services are available to help consumers budget money, pay bills and develop a plan to improve their credit histories.

Bear in mind, however, that not all counselors are looking out for the consumer's best interests. Be cautious of counseling services that advise you to stop making payments to your creditors or to make your payments to the counselors instead. These programs can be costly, may result in your credit score becoming even worse, and they could be scams. For suggestions on finding a reputable counseling service, visit the Federal Trade Commission's website at FTC.gov.

Understand what information is most likely to influence your credit score. In general, the most significant factor affecting your score is whether you repay debts on time, and how much you currently owe on each account compared to its original loan amount or credit limit.

Additional factors include how long you have had your current loans and credit cards, and the types of credit accounts you have.

To obtain and review a free copy of your credit report, visit www.AnnualCreditReport.com or call toll-free 1-877-322-8228.

Published with permission from RISMedia.


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7 Easy Ways to Dress Up an Entryway

May 30, 2016 1:39 am

The entryway or foyer of your home conveys an important first impression to your guests. For homeowners bent on making it a great first impression, designers at ElleDecor.com suggest seven easy ways to make an entryway look larger, brighter, and more welcoming:

Use the Power of Mirrors – A well-placed mirror can instantly open up a space and add a luxurious feel. Splurge on a good one, framed or not as you wish, to grace your entryway for the long haul.

Keep Fresh Flowers on Hand – Nothing freshens up a room quite like a vase full of fresh flowers. They are aesthetically pleasing and will keep your entryway smelling wonderful. Using long-lasting silk flowers will hold down monthly costs, but think about replacing them with fresh flowers before a dinner party or other event.

Play with Patterns and Colors – Your entryway should reflect your personal style. Add a jolt of color, especially in a light, bright foyer, or bring in an unexpected wallpaper pattern to turn the space into something special.

Rethink the Lighting Fixtures – Swap out the lighting fixtures that came with the house for something you really love. The right overhead chandelier or well-detailed wall sconces can add drama and grace to any entry.

Add a Statement Piece – It may be a patterned rug, a tufted bench, a console table or a pair of smaller tables. There should be some element in your entryway that serves as a centerpiece and sets the tone for the rest of your home.

Do Use Some Artwork – Art brings a level of elegance to a room. A well placed piece of art, or a gallery wall of smaller pieces, can be the perfect finishing touch for an entryway that reflects your taste and style.

Don’t Overcrowd the Space – If you're blessed with an entryway big enough for several pieces of furniture, by all means, go for it. But if the area is on the small side, skip the console table because the area will look better with just a few small pieces. A plant stand and a mirror may be all that is needed to dress up a small entry.

Published with permission from RISMedia.


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