California livin' (not just dreamin')

Southern California. Living. Loving. Adventuring.

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This home is soooo beautiful..

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$34,900 - Hemet Manufactured Home for Sale

55+, Senior Arroyo Fairway Property Nice Corner Lot Mobile with all year-round nice golf course practice your game. Refreshing sparkling blue pool and jacuzzi in a well finished clubhouse. Billiards, and weekly activities. Amazing views of the San Jacinto Mountains, Private and clean, Landscape beautifully maintained. Huge room perfect for large. Some of the furniture may be negotiated and included as part of the sale, washer and dryer, Evaporator cooling and several window units for the hot summer days. 1 Bed, 1 Bath with an extra build out room with washer and dryer. Nice, covered patio to Grill and relax, shed and Golf Cart may be included as part of the sale. The Park is located near a major highway, hardware and grocery stores restaurants, fuel stations and banking institutions.

Contact me:

Kobina Wright

Century 21 Masters Canyon Lake Office 951.244.2353

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The First Step to Credit Improvement

Step 1, look at it.

Sounds pretty basic right? In order to improve anything intentionally, you have to take a good hard look. But you’d be surprised at how the thought of looking into things terrifies many. Don’t be a scardy cat! You can do this! It might not even be as bad as you think… I mean, it might be worse too, but… so what! It’s fixable! Be brave and pull up that darn credit report and roll up your sleeves and get to looking!

You’re going to want to pull from all three major credit agencies: Equifax, Experian and TransUnion. In fact, you can do this for free once a year through, AnnualCreditReport.com. Once you get these reports, comb through them to discover what’s been taking your score up (like paying your bills on time or maintaining low balances on your credit cards) and the items that’ve brought it down (like missed payments and high balances). This is the juicy stuff.

If your bank offers free credit monitoring, take advantage of this service so that you can keep regular track of your credit for errors. Otherwise, you should track your credit through soft inquiries, so as not to further ding your score (I’ll dive more into hard and soft inquiries later).

From here, you have two more things to do. The first is to check for inaccuracies in your report and have them removed (contact all three agencies for this). The second is to pay down your revolving credit. Maybe skip on some of the luxuries in order to get some of that debt under control. Consider another gig for making a little additional income.

See it wasn’t that hard. You got this!

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Store |Ojenis Gallery

Art of Kobina Wright

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Credit Shmedit!

Let’s be honest. Good credit is easier to achieve when your finances are already in order, but being cash-flow challenged doesn’t necessarily have to mean that you’re doomed to bad credit. Nor does it mean that because you make good money that you automatically have great credit. Credit, can be a tricky thing (for various reasons) but here’s a brief case for achieving good, or even excellent, credit.

It can save you thousands of dollars over the years

Folks with good credit aren’t paying the high interest rates those with poor credit are. This is their reward for being “low risk” borrowers. Banks are more confident in these folks - that they’re actually going to get their money back. It makes them feel a lot more… comfy.

It may not be a big deal if you’re financing a new bed, but when you’re financing a large item, like a car or a home, the savings can be monumental. Poor credit can affect you in ways you don’t always think about as well. You might not be looking to buy a home but are looking to rent. You best believe your credit will be pulled here too. What about renting a car? Here too? Yes! Even if you feel you’re nowhere close to buying a house or bed - right now, I encourage you to begin working on your credit if it’s not exactly stellar. One day, you will want to finance something, and the clean-up of your credit that is done today will be your life raft when it comes to that big ticket item. Your future self will be so proud.

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