I read a recent article in the Wall Street Journal titled “How to Fix a Credit Report Error Before It Bites Back” and being in the real estate business for many years it had a number of good points that are useful to all of us and especially if you are looking to purchase a Harrisburg PA home. We all have heard and seen the trials and credit scoretribulations when a bad credit score derails a purchase or if approved the interest rate is higher than the going rate for most borrowers.

What are the causes and what are the remedies? Naturally, late payments are definitely going to have a negative impact on your credit score and your ability to make a purchase. AND yes sometimes there are reporting errors by a creditor for a number of reasons, including reporting a delinquency that is not yours because there is one or more John Jones that lives in your area. And I am sure there are many people who can give me examples of bad reporting. BUT you do have some recourse in these examples such as disputing the claim and/or providing proof of payment – that is the best way to counter the negative by keeping good records.

Also, it is up to you to monitor your credit report and the best (and it is free) way is to go to AnnualCreditReport.com and you can receive a report once a year at no cost to you. That is an excellent way to insure that the Credit Bureau has all the correct information. Yes, there are offers, at a cost, to give you the same information but free is for me and I hope for you also. Soon I will provide info on Credit Repair concepts and hopefully help you in that arena.

If you are looking for information on who you can talk to about credit, please let me know, and especially, if you are considering purchasing Harrisburg PA real estate. Please also visit my web site, DonRoth.com, to have access to all of the properties that are for sale in the Harrisburg area.

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When you are buying or selling property in today's Harrisburg PA real estate market, it's important to have confidence in your real estate professional. Don’s commitment as your Harrisburg PA REALTOR® is to provide you with the specialized real estate service you deserve.

When you are an informed buyer or seller, you'll make the best decisions for the most important purchase or sale in your lifetime. That's why Don’s goal is to keep you informed on trends in Harrisburg PA real estate. With property values continuing to rise, real estate is a sound investment for now and for the future.

As a local area expert with knowledge of Harrisburg PA area communities, Don’s objective is to work diligently to assist you in meeting your real estate goals.

If you are considering buying or selling a home or would just like to have additional information about real estate in your area, please don't hesitate to call me at (717) 657-8700, complete my online form, or e-mail me at don@donroth.com.