LIHEAP is a Low Income Home Energy Assistance Program (LIHEAP) that helps to keep families safe and healthy through initiatives that assist with energy costs.
Zion Hill Community Development Corporation is providing help for Residents that reside in Fulton or Dekalb County. Hope this helps ... Anita #HelpingYouProsper
Can Bad Credit be Deleted?
Yes, it can. Despite the fervent proclamations of bureaucrats and credit bureaus everywhere, a simple fact remains: negative credit listings are deleted from peoples' credit reports by the thousands each and every day.
A few years ago, an attorney from Lexington Law. visited with a regulatory agency for a casual conversation with two agents. The Agency's office, as a matter of course, believed the credit bureaus' claim that bad credit couldn't be deleted. The visiting Lexington attorney asked, "How many negative listings would you have to see deleted from consumer credit reports before you would believe that bad credit can be deleted: ten? fifty? a hundred? one thousand?" The agents responded with only blank stares.
"How about 50,000 deleted listings, would that convince you?" continued the Lexington attorney. From his briefcase he pulled a stack of papers six inches high.
"In these pages, we have listed the permanent deletion of over 50,000. listings from our clients' files in the last two years alone," he explained. The agents pulled the stack across the conference table and began to pick through the pages, taking in the massive list.
"But have you deleted any bankruptcies?" shot back one of the agents, "we know that bankruptcies can't be deleted." The Lexington attorney leaned across the table and ran his finger down the first page.
"There's one deleted bankruptcy... and, there's another,... and another,... and another. Should I go on?" asked the Lexington attorney.
The agents sat back in their chairs. "You know," began the junior agent, "I have this one listing on my credit report that simply must belong to somebody else..."
How is credit repair possible?
The Fair Credit Reporting Act (FCRA) allows a consumer to challenge the information on his credit report on the basis of "completeness and accuracy." When a consumer files a dispute, the credit bureaus must contact the source of the credit information (the creditor) and confirm that the information is accurate, verifiable, and not obsolete. In some circumstances, the credit bureau is required to go beyond a simple verification of the creditor's own computer record. If, within 30 days, the credit bureau has not received verification from the creditor, then the credit bureau must promptly delete the credit listing.Learn More.
There are scammers lurking and taking advantage of renters looking to rent home. Find out below how to avoid them.
DO YOUR HOMEWORK
You Google everything else! Do you homework. :)
1. Do a quick Google search to confirm county of property.
2. Located county records or tax assessor website. (Example: www.qpublic.net/ga/fulton )
3. Look up address on county/tax website to find out the owner of the property's name. If you are able to speak directly to the owner, ask questions like, when did they purchase the home? The last date can be found on the county/tax website.
4. If you they say they are the property manager, look them up on the GA Real Estate Commission Website:
5. If they are a lawyer handling the landlord's affairs, look them up on the GA Bar Association Website:
6. Google the name of the contact person and the address to see what comes up, like another listing or etc.
TYPES OF SCAMS
Some scammers hijack a real rental or real estate listing by changing the email address or other contact information, and placing the modified ad on another site. The altered ad may even use the name of the person who posted the original ad. In other cases, scammers have hijacked the email accounts of property owners on reputable vacation rental websites.
Rip-off artists make up listings for places that aren’t for rent or don’t exist & try to lure you in with the promise of low rent, or great amenities. Their goal is to get your money before you find out.
Being savvy when you’re in search of a rental is well worth the effort. Here are some signs you may be dealing with a scam:
They tell you to wire money. This is the surest sign of a scam. There’s never a good reason to wire money to pay a security deposit, application fee, first month’s rent, or vacation rental fee. That’s true even if they send you a contract first. Wiring money is the same as sending cash — once you send it, you have no way to get it back.
They want a security deposit or first month’s rent before you’ve met or signed a lease. It’s never a good idea to send money to someone you’ve never met in person for an apartment you haven’t seen. If you can’t visit an apartment or house yourself, ask someone you trust to go and confirm that it’s for rent, and that it is what was advertised. In addition to setting up a meeting, do a search on the owner and listing. If you find the same ad listed under a different name, that’s a clue it may be a scam.
They say they’re out of the country. But they have a plan to get the keys into your hands. It might involve a lawyer or an “agent” working on their behalf. Some scammers even create fake keys. Don’t send money to them overseas. If you can’t meet in person, see the apartment, or sign a lease before you pay, keep looking. What if the rental itself is overseas? Paying with a credit card or through a reputable vacation rental website with its own payment system are your safest bets.
Tips to Help Avoid a Rental Scam
Rental scams are rising in number because people want a good deal. If the rent is priced too low and the home is in good condition. Ex $400 for a renovated 3 Bedroom 2 Bath home, Be VERY careful. Why? Because landlords are investors in real estate, why would they only rent a home for $400 per month when the going rate for a 3 bedroom is $750-$800?
-Hire a real estate agent to help you find a rental and off to pay retainer or fee for their time. What's $200-250? Nothing compared to the $500- $1000 or more you will loose if a scammers tricks you!
- Pay a real estate agent to provide a customized listing of rental homes. In most cases there is a signed lease listing contract in place b with the owner of record/landlords prior to agents placing them on the market for sale.
- Search for homes on reputable property management such as ComeRentAtlanta.com, Invitationhomes.com, havenbrookhomes.com , etc
- Prepare your move. It is easier for scammers to prey on tenant that are in a bind or looking to move immediately. Take your time, don't miss the clues because you did not plan properly.