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

Correcting Credit Report Errors Just Got Easier

March 10, 2015 1:33 am

All three credit reporting bureaus – Equifax, TransUnion and Experian – will take part in a plan to minimize errors on credit reports, the Consumer Data Industry Association (CDIA) reports. The program, dubbed the National Consumer Assistance Plan, will enhance their ability to collect complete and accurate consumer information and will provide consumers more transparency and a better experience interacting with credit bureaus about their credit reports.

“While we are pleased that the most recent comprehensive study by the Federal Trade Commission showed that credit reports are materially accurate 98 percent of the time, we are always looking for ways to improve our procedures, and this consumer assistance plan will allow us to do that,” said Stuart Pratt, President and CEO, CIDA. “While all three nationwide credit bureaus have been and continue to operate in compliance with the applicable federal and state laws, we have never hesitated to go beyond the letter of the law to voluntarily improve the existing credit reporting environment.”

Here’s what consumers can expect under the National Consumer Assistance Plan:
  • Consumers visiting www.annualcreditreport.com, the website that allows consumers to obtain a free credit report once a year, will see expanded educational material.
  • Consumers who obtain their free annual credit report and dispute information resulting in modification of the disputed item will be able to obtain another free annual report without waiting a year.
  • Consumers who dispute items on their credit reports will receive additional information from the credit bureaus along with the results of their dispute, including a description of what they can do if they are not satisfied with the outcome of their dispute.
  • The credit rating agencies (CRAs) are focusing on an enhanced dispute resolution process for consumers that are proven victims of identity theft and fraud, as well as those involved in mixed file situations.
Implementation of the consumer assistance plan will begin over the next few months.

Source: CDIA

Published with permission from RISMedia.


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Outdoor Living: 4 Hot Trends

March 10, 2015 1:33 am

(Family Features) Inspired by neighbors, home improvement shows and social media channels like Pinterest and Houzz, today's homeowners are entering the deck planning and building process more informed than ever before. But sorting through this wealth of information and inspiration can make it hard to decipher what's really hot for today's outdoor spaces -- and to choose what's right for your home.

Surveying the wide variety of options is the first step in deciding how you'll approach designing your outdoor space. Start by considering some of the top influences expected to dominate the outdoor living landscape this season, according to decking and railing manufacturer Trex Company.

Designing Outside the Box
Gone are the days of simple squared-off decks and basic slab patios. Regardless of the size of the yard – or budget – homeowners today are thinking and building beyond the basic square space. Remodelers and architects report increased interest from customers in decks with multiple levels, curves, cantilevers, pergolas and even walls to create three-dimensional interest and define different functional areas.

Bringing the Indoors Out

The lines between indoors and out will continue to blur as homeowners look to extend the style, comfort and function of their interior spaces to their outdoor living areas. More and more indoor activities are migrating outside with the addition of features such as outdoor kitchens, dining nooks and fireplaces. Demand is also up for features like integrated benches with cushions and accent pillows, storage components and lighting, along with accessories such as ornamental post caps and railing with decorative balusters similar to those found inside the home.

Tropical Staycations

From New England to Southern California, the look of the tropics will dominate as a top outdoor design scheme. Materials that evoke the ambiance of an exotic island getaway are all the rage, from tiki torches, cabanas and waterfalls to deck boards featuring warm colors and multi-colored streaking inspired by tropical hardwoods.

High Performance, Low Maintenance
While aesthetics drive many deck-building decisions, performance is just as important. Increasingly, homeowners are seeking high-performance, low maintenance materials that allow them to spend more time enjoying their outdoor living space than maintaining it. This motivation has contributed to the continued innovation and popularity of composite decking and railing.

Source: Trex

Published with permission from RISMedia.


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