Jacksonville Real Estate Agent

 Here’s what Jacksonville Real Estate in April 2008 looked like:

Here’s what Jacksonville Real Estate in April 2007 looked like:

I’m seeing a trend for real estate in Jacksonville, Florida. The homes going under contract are starting to increase and the remaining amount of inventory is decreasing since January 2008. This is a good sign, however it doesn’t neccesarily mean we’ve reached the bottom. Normally in Northeast Florida, we start to see an increase in activity in March and as we get closer to school letting it out, the activity becomes more brisk. This could be what we’re seeing. It’s strange to say this, because 2007 was brutal for sellers, but the numbers in 2007 still look better than 2008.The gap should start to shorten in the coming months. If you would like to see what homes are selling for in Jacksonville, please visit our Jacksonville Florida property search.

These figures are based on residential homes (single family, town homes & attached). They exclude condos, commercial property and vacant land. It also does not include Jacksonville beach, Atlantic Beach or Neptune Beach. Information is deemed to be reliable, but is not guaranteed.

Pam Graham

904-910-3516 

Vanguard Realty, GMAC Real Estate

3168 Highway 17,s

Orange Park, FL 32003

Licensed Real Estate Agent in Florida 

 Here’s what Jacksonville Real Estate in March 2008 looked like:

Here’s what Jacksonville Real Estate in March 2007 looked like:

These figures are based on residential homes (single family, town homes & attached). They exclude condos, commercial property and vacant land. It also does not include Jacksonville beach, Atlantic Beach or Neptune Beach. Information is deemed to be reliable, but is not guaranteed.

 Here’s what Jacksonville Real Estate in February 2008 looked like:

Here’s what Jacksonville Real Estate in February 2007 looked like:

These figures are based on residential homes (single family, town homes & attached). They exclude condos, commercial property and vacant land. It also does not include Jacksonville beach, Atlantic Beach or Neptune Beach. Information is deemed to be reliable, but is not guaranteed.

 Here’s what Jacksonville Real Estate in January 2008 looked like:

Here’s what Jacksonville Real Estate in January 2007 looked like:

These figures are based on residential homes (single family, town homes & attached). They exclude condos, commercial property and vacant land. It also does not include Jacksonville beach, Atlantic Beach or Neptune Beach. Information is deemed to be reliable, but is not guaranteed.

You’ve seen the ads…."Credit repair 100% guarantee” “We can remove charge offs, bankruptcies, foreclosure” The list goes on and on. If you are credit challenged and you want to buy a car or a home in Jacksonville, you may wonder if those companies are for real.  They are real and they want to take your hard earned money. Don’t get me wrong, there are legit credit repair companies that can help you, but if they tell you they can remove a bankruptcy when in fact that bankruptcy is completely accurate on your credit report, they are lying.

Here is an excerpt from The Federal Trade Commission’s website in regard to credit repair companies:

“No one can legally remove accurate and timely negative information from a credit report. The law allows you to ask for an investigation of information in your file that you dispute as inaccurate or incomplete. There is no charge for this. Everything a credit repair clinic can do for you legally, you can do for yourself at little or no cost.”

You can read the entire article by clicking here.

Now, what if you do have inaccurate information on your credit report(s)? You may wonder if you should hire a credit repair company, but with a little bit of fingertip work (get it…instead of leg work) on your part, you can dispute the items yourself online for free.

I’ll show you where to go. Let’s start with Equifax. When you visit their website, you’ll see two places to dispute. Online dispute (as of today, 2 clicks from the search button) and the tab that says: Free Report, Security Freeze, dispute and fraud protection.  You can start your dispute right there. Now let me back up, just for a second. Did you know, you can get your credit report from all 3 bureaus, free, once a year? Visit Annual Credit Report to get started.

Let’s visit Transunion. You’ll see their dispute button, at the bottom under the column titled “More for Consumers”

Last but not least is Experian. Scroll to the bottom, and click disputes (blue bar).

Last spring, I had some errors on my credit report. First, I printed my free credit reports from Annual Credit Report. I looked it over, making a mark next to each item that was incorrect and writing down what it should say. I went to each credit bureau and next to each incorrect item, I disputed it. It wasn’t the most fun thing in the world and it was tedious to say the least, HOWEVER when it was all said and done and the items were corrected my score jumped by about 75 points! Not bad, if I say so myself.

Now let me say this, these items were inaccurate from the beginning, I wasn’t trying to beat the system. If your goal is to try to beat the system, DON’T! You still have to answer the questions on a credit application honestly and accurately, no matter what your credit report states!

Lastly, and most important, time will raise your credit score, as long as you continue to pay your bills on time. So, PAY YOUR BILLS ON TIME!

If you’re looking to buy real estate in Jacksonville and surrounding areas, start your search for properties here.

Pam Graham

904-910-3516 

Vanguard Realty, GMAC Real Estate

3168 Highway 17,s

Orange Park, FL 32003

Licensed Real Estate Agent in Florida