Can You Really Write Off that Donation?

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Making a donation to a charity is a great way to fill up on feel-good energy, but there might be an additional benefit, too: tax savings. Donations made to qualifying charitable organizations can reduce your taxable income, which reduces your overall tax bill. But not all donations can be deducted, and not all charitable organizations qualify.
A qualifying charitable organization is a non-profit group that is approved by the IRS. In most cases, these non-profits are charitable, religious or education organizations, or volunteer groups. If you aren’t sure if the charity qualifies, the IRS has a search tool that allows tax filers to enter the name and location of an organization and see if it makes the cut.
The tax form you need
In order to get the tax deduction, you must give to a qualified organization. Contributions made to specific individuals, political organizations and candidates don’t count. Charitable contributions are filed using form 1040, and you can itemize the deductions on Schedule A. So, if you made three donations that tax year to three separate qualifying charities, you would use the total amount on 1040 and then list them separately on Schedule A.
How to deduct cash donations
Cash donations to a qualifying charity are tax deductible, but if you received a benefit in exchange for your donation, like swag, tickets to an event or other material goods, you have to subtract the fair market value of the benefit from your deduction. There are general rules for determining the fair market value of the benefit, but it is generally the price of the property that would change hands between a willing buyer and a willing seller, neither having to buy or sell, and both having reasonable knowledge of all the relevant facts.
So, let’s say you got a pair of baseball tickets for donating $100 to your favorite charity. And let’s say the tickets normally go for $30 on the street. You would deduct the fair market value of the tickets ($60) from the deduction, which would lower your tax benefit to $40.
How to deduct non-cash donations
Non-cash items are valued at the fair market value of the property. Non-cash property can cover a variety of goods, but any clothing or household items must be in good condition to be deductible. So, you can’t just drop off your old, broken stereo and deduct $200 because that’s what a restored one is selling for online.
How to deduct vehicle donations
Special rules apply to vehicles. Publication 4303 from the IRS provides general guidelines for people who donate their cars to qualifying charities. The maximum amount you can deduct for your donation is the fair market value of the car.
But be careful: The fair market value does not necessarily equal the “blue book” value. A used car guide is a good starting point to determine the value, but the IRS might not agree with what the blue book says. For example, maybe you donated your old car to a local charity and the blue book value says it’s worth $1,500, but it actually needs repairs and the exterior has some damage. After some Internet searching, you find a car just like yours that is selling for $800. That is the fair market value of your car, not $1,500.
What records to keep
To deduct any monetary contribution you must keep records, regardless of the amount. You can use bank or payroll statements or a written communication from the organization that includes the date and amount of the contribution as tax receipts.
For text message cash donations, where you text a specific code to donate to a charity, a telephone bill will meet the recordkeeping requirement as long as it shows the name of the receiving organization, as well as the date and amount of the contribution.
If any cash or property you are donating is worth $250 or more, you will need two documents: 1. a bank or payroll deduction record or a written acknowledgement from the qualifying organization showing the amount of the cash or a description of any property contributed and 2. whether the organization provided any goods or services in exchange for the gift.
If your total deduction for all non-cash contributions is over $500 for the year, you must complete and attach IRS Form 8283 to your return. Taxpayers who have donated more than $5,000 will also have to complete Section B of Form 8293, and might need to secure an appraisal from a qualified professional.
Special rules
There are many special circumstances and rules that apply to tax deductions, and charitable donations are no exception.
For example, donations to public charities, colleges and religious groups can’t exceed 50 percent of your adjusted gross income, and the limits go down for gifts of appreciated property. Additionally, taxpayers who donate to colleges and universities and then receive the right to buy tickets to school athletic events can only deduct 80 percent of their donation.
When in doubt, consult a tax professional to make sure you are following the proper procedures. You don’t want to lose all that feel-good energy to an audit.

By: www.investopedia.com

About Scoreinc.com

Scoreinc.com, Inc., headquarter in Mayaguez Puerto Rico USA, with offices in Mobile Alabama, is a leading provider of services to the derogatory credit sector of the financial service industry through its Scoreway® Software Solution and credit report accuracy dispute services. The Scoreway® platform provides an end-to-end management solution that helps the companies that we serve manage the credit review and dispute process and to improve controls and profitability. Scoreinc.com services an ever growing list of mortgage company’s, banks, credit unions, Realtors®, builders and credit service organizations through its innovative technology and credit report accuracy service.

Contact Score for more information at 877-876-5921 or by visiting the following pages:
Credit Repair Merchant Service
Fair Debt Collection Practices-learn to earn from FDCPA
Credit Repair Business Training
Credit Repair Software
Credit Repair Solution

For more details please visit Scoreinc.com

12 Time Management Tips for Real Estate Agents

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We can all do a better job at managing how we spend our time. So I’m going to help manage yours by skipping a long intro paragraph and getting right into the list of 12 easy and actionable time management tips!
1. Put a Dollar Value on Your Time
This can be tricky, especially in early years, before you know what your commissions are over an extended period. But it’s an essential part of knowing what tasks you should take on yourself, what tasks you can delegate to assistants and staff, and to what tasks and events you should just say “No!”
2. Declutter Your Computer
When most people think of clutter, they think of their desk and their home. But computers can get cluttered too – especially ones that serve both business and personal purposes. Try these three measures to speed up your computer and turn it back into a tool, rather than an obstacle.
Defrag. It’s been a while, hasn’t it?
Delete useless programs. If you haven’t used an application in a year, you don’t need it. Delete it.
Clean up your desktop. Put only essential files on it.
3. Know Your Peak Times
Everyone has certain times of day when they do their best and most productive work. Some people are early morning people. Some people are evening people. Understand what you are, and organize your day to handle your most important tasks when you’re most alert.
4. Train Your Clients
You cannot do your best work if you are constantly returning emails and phone calls for purposes other than showing and selling houses. Tell clients that you set aside weekdays after five to return calls and emails, or mornings before nine – whatever works for you. This is a key element of managing client expectations. You can always make an exception for emergencies, but you need breathing space to do your job. A real estate agent who can always return a client call within one minute is probably not very busy selling homes!
5. Utilize Your Contact Management System
This is a must. If you’ve invested in a top-of-the-line CRM system, make the most out of it. Use it for everything you can. You will find efficiencies you didn’t know you had. Trying to switch back and forth between CRM systems, pipeline listings and spreadsheets, on top of a written appointment book, will sap half your day before you get going, if you aren’t careful.
6. Buy a Slow Cooker and Lots of Tupperware
A slow cooker lets you cook delicious meals in large quantities with little effort. Tupperware lets you not have to worry about cooking for days. That frees up 30 minutes to an hour each night, once you’ve done your base cooking. Set aside Sunday nights or Monday mornings to cook. Throw the ingredients into the slow cooker, and get it going while you make calls, do computer work in your home office, and set up your week.
While you’re at it, maximize use of labor-saving devices such as washers, dryers and dishwashers. Sitting down to make some calls? Have them going while you work or while you’re cooking. This way, you’re multitasking!
7. Eliminate Problem Shoppers and Clients
You don’t have to be rude. Just focus your time on the 20 percent of deals and clients that are most productive. Avoid all those other time-wasters or refer them to another agent in your office.
8. Delegate
You don’t need to have a full-time assistant to benefit from delegation. There are a number of businesses that let you purchase just a few hours of an assistant’s time – or you can pool resources with other agents. Services like vGofer and Zirtual allow you to hire for as much time as you need, based on your budget. What tasks can you delegate? Well, there’s scheduling, direct mail, inputting contacts into a database, email management, book keeping and expense tracking (consider apps like Expensify, as well), presentation prep, event planning, holiday cards and thank you notes.
9. Hire a Housekeeper
You should spend your time selling houses and finding new listings to sell. Every minute you spend in the house on boring, routine stuff that anyone can do, and you don’t even enjoy, is a waste.
10. Stop Trying to Multitask Everything
Almost nobody can multitask well. Focus on the most important task on your list, finish it, and move on.
11. Leverage Time Management Technology
One idea: Try the MyHours app for iPhone or Andoid. It syncs with the Google and Outlook calendars you may already be using.
12. Take Mental Breaks
The Pomodoro technique is a way to intersperse intense mental focus with much needed occasional breaks. Just as a world-class sprinter needs bits of rest between sprints, anyone who uses his or her mind to work also needs little breaks. Failure to take them means the mind will be less focused for the next task.

By: Jason Van Steenwyk, www.trulia.com

About Scoreinc.com

Scoreinc.com, Inc., headquarter in Mayaguez Puerto Rico USA, with offices in Mobile Alabama, is a leading provider of services to the derogatory credit sector of the financial service industry through its Scoreway® Software Solution and credit report accuracy dispute services. The Scoreway® platform provides an end-to-end management solution that helps the companies that we serve manage the credit review and dispute process and to improve controls and profitability. Scoreinc.com services an ever growing list of mortgage company’s, banks, credit unions, Realtors®, builders and credit service organizations through its innovative technology and credit report accuracy service.

Contact Score for more information at 877-876-5921 or by visiting the following pages:
Credit Repair Merchant Service
Fair Debt Collection Practices-learn to earn from FDCPA
Credit Repair Business Training
Credit Repair Software
Credit Repair Solution

For more details please visit Scoreinc.com

New Fannie Mae Program Could Bust Deals, Appraisers Say

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Could a controversial new program set for launch nationwide last month by giant mortgage investor Fannie Mae lead to slower and costlier home sale closings and more disputes over prices between sellers and buyers — busting deals when the appraised value comes in below what the parties agreed to in the contract?
Fannie Mae doesn’t think so, but many appraisers are worried that the new program might mess up the marketplace. Here’s a quick overview of the issue and what it could mean to you as a seller or buyer:
Fannie Mae plans to offer mortgage lenders access to proprietary home valuation databases that they can use to assess the accuracy of and risks posed by the reports submitted by appraisers. The Fannie data will flag possible errors in the appraiser’s work before the lender commits to fund the loan, score the appraisal for overall risk of inaccuracy and may provide as many as 20 alternative “comps” — properties in the area that have sold recently and are roughly comparable to the house the lender is considering approving for financing but were not used by the appraiser.
Lenders can then forward Fannie’s alternative comps and risk scores to the appraiser or the management company that hired the appraiser requesting explanations and changes to the appraisal.
Professional appraisers rely on comps as key indicators for value. If houses “A” and “B” in the neighborhood sold within the last three months for $250,000 and are similar in size and features to the house under consideration by the lender, the appraisal should come in close to that number, absent any dramatic recent marketplace changes.
But if the appraiser values the house at the contract price of $300,000 agreed by the seller and buyer, the valuation may be judged too high. Excessive valuations create the risk of future losses to lenders and investors if the borrower defaults and the house goes to foreclosure.
On its face, the new Fannie program appears unassailable. Lenders and investors have an inherent right to be sure the appraisals they use for their funding decisions are accurate. If Fannie has developed a high-tech tool to help lenders spot risky appraisals upfront, where’s the problem?
Start with delays to closings and higher costs.
Appraisers say if they have to justify piecemeal why they chose the comps for their valuation rather than those selected by Fannie’s computers, it will add days — a week or more in extreme cases — to closing times. Meanwhile, sellers and buyers who had planned on dates for moving may suddenly find themselves knocked off track because the appraisal report was flagged. Realtors’ commission payouts also will be delayed.
Mike Turner, an appraiser in Northridge, told me it will be “an utter waste of time” if he has to explain point by point why he didn’t use the comps supplied by Fannie.
Pat Turner, an appraiser in Richmond, Va., and no relation to Mike, told me appraisers will have to raise their fees to compensate for the additional time.
“You think I’m going to do this for free?” he asked. He predicted that his per-job fee could jump $150 to $200 or more simply because of Fannie’s new program — all paid for by consumers at settlement.
Another problem: Fannie Mae won’t give appraisers access to the “black box” databases it uses to produce risk-rating scores. A national petition sponsored by the Illinois Coalition of Appraisal Professionals is now circulating, demanding transparency.
Critics such as Mike Turner charge that Fannie’s data will not be able to recognize differences between adjacent neighborhoods — a key factor in valuations — because it is based on census tract groupings, which may include mixes of lower-priced and higher-priced homes from different neighborhoods. He believes that the risk-rating system inevitably will be biased toward lower-priced comparables — something he says appraisers “will figure out quickly” — and will therefore reward appraisers who choose less costly properties for their comps.
“Lower-risk comps will tend to kill deals,” he predicts, forcing sellers and buyers into needless disputes when appraisals come in below the agreed contract price.
Fannie says appraisers’ concerns are overblown and that if widespread problems arise it will make adjustments.
Andrew Wilson, a Fannie spokesman, denied that the system will be biased to the downside. “It’s going to flag mistakes,” he said, “and frankly everybody should want that.”

By: Kenneth R. Harney, www.latimes.com

About Scoreinc.com

Scoreinc.com, Inc., headquarter in Mayaguez Puerto Rico USA, with offices in Mobile Alabama, is a leading provider of services to the derogatory credit sector of the financial service industry through its Scoreway® Software Solution and credit report accuracy dispute services. The Scoreway® platform provides an end-to-end management solution that helps the companies that we serve manage the credit review and dispute process and to improve controls and profitability. Scoreinc.com services an ever growing list of mortgage company’s, banks, credit unions, Realtors®, builders and credit service organizations through its innovative technology and credit report accuracy service.

Contact Score for more information at 877-876-5921 or by visiting the following pages:
Credit Repair Merchant Service
Fair Debt Collection Practices-learn to earn from FDCPA
Credit Repair Business Training
Credit Repair Software
Credit Repair Solution

For more details please visit Scoreinc.com

MMRecap for February 9th

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After all the excitement of the Super Bowl last Sunday, Monday turned out to be uneventful. Many of the numbers came in below expectations; but personal income in December was an exception, posting a predicted 0.3% gain. Personal spending fell by 0.3%, a huge departure from the 0.6% increase in November. PCE core prices came in at an expected 0.0% for December, while the ISM index on manufacturing in December dropped to 53.5 from 55.1. Monday’s final report showed a sizable increase in December construction spending, rising by 0.4%. Although this was far below expectations of +0.8% or +0.9%, it was way above the prior reading of -0.2%.
Stocks had a good day Monday. The Dow Jones rose 196.09 points, or 1.14%, while the Nasdaq gained 41.45 points, or 0.89%. The S&P 500 was up by a substantial 25.86 points, or 1.30%. The 10-year Treasury remained unchanged at 1.68%. And the price of oil held below $50 at $49.79 a bbl.
The only report on Tuesday was for factory orders in December. These numbers disappointed big time, coming in at -3.4% — far lower than the estimates of -2.0% and -2.4%. The price of oil rose to more than $50 a barrel.
The markets had a big rally on Tuesday with the Dow closing up 305.36 points, for a gain of 1.76%. Nasdaq gained 51.05 points, or 1.09%, and the S&P 500 posted a gain of 29.18 points, or 1.44%. The 10-year Treasury yield jumped 11 basis points to close at 1.79%.
On Wednesday ADP, the payroll giant, said 213,000 workers were added to payrolls in January. That was about 40K fewer new hires than came aboard in December. The analysts were expecting a number more like 230K to 250K, so this was not great news. The ISM service sector, which is largely made up of bars, restaurants, hotels and venues that provide entertainment, showed a slight increase to 56.7% from 56.5%.
The markets were fairly calm on Wednesday with small losses in the Nasdaq and S&P indices, and a small gain in the Dow. The Dow gained 6.62 points, the Nasdaq closed down 11.03 points and the S&P 500 dropped 8.52 points. The oil market, which never closes, was down to $48.45 a bbl. near the end of the trading day in the Western Hemisphere. The 10-year yield inched up a couple of points to end the day at 1.81%.
Thursday was packed with news, but most of it was anticipating Friday’s release of the employment numbers. Initial jobless claims jumped to 278K from 267K at the end of January. Continuing claims for the week ended 1/24 came in at 2400K — only 6K more than the previous week. The trade deficit, which had been tightening for the past couple of months, expanded in December, rising to $46.6B from $39.8B the previous month.
In spite of this news, when the markets closed on Thursday, all indices were up. The Dow posted a nice gain of 211.86 points, or 1.20%. The Nasdaq added 48.39 points for a gain of 1.03%, and the S&P 500 went up 21.01 points, or 1.03%. The 10-year Treasury yield went up 2 basis points and closed at 1.83%.
Friday showed the unemployment rate had edged up to 5.7% from 5.6%. Hourly earnings were up by 0.5%, and the average work week stayed the same — 34.6 hours per week. The consumer credit report for December is still higher than November, coming in at $14.8B, but it was also lower than the analysts expected.
The markets did a little selling off on Friday with the Dow losing 60.59 points. The Nasdaq closed down 20.70 points, and the S&P 500 finished the day down 7.05 points. The 10-year Treasury yield took a big leap and closed up 12 basis points to finish the week at 1.95%.
The MBA Mortgage Applications Survey for the week ended January 30, 2015 showed that applications increased by 1.3% on a seasonally adjusted basis. The refinance share of mortgage activity fell to 71% of total applications from 72% the previous week. The average contract interest rate for 30-year fixed-rate conforming mortgages decreased to 3.79%, the lowest level since May 2013, down from 3.83%, with points increasing to 0.29 from 0.26 (including the origination fee) for an 80% LTV mortgage. Low interest rates continue to spur the market.
This week has a good mix of important economic reports, along with a couple that can be dismissed. We need a break from “reports overload” once in a while, and today is a perfect example. Wholesale inventories in December are up first, and analysts expect them to come in anywhere between 0.2% and 0.6%. Either prediction would be lower than the previous 0.8%.
There are no market movers on Tuesday or Wednesday, but we get back on track Thursday, as there are reports that could influence trading. They begin with first-time jobless claims for the week ended February 7. The market analysts and the Briefing.com analysts both came up with the same number of 285K. This is slightly up from the 278K from the previous week. Continuing claims could fall by 25K for the week ended January 31.
Thursday we also get the reports on retail sales and retail sales excluding autos for January. The first one might show a little improvement. The predictors are guessing that retail sales might only be down by 0.2% to 0.5% as opposed to the -0.9% for December. Maybe it was all the after-Christmas sales that motivated shoppers to go out and buy things. Retail sales ex-auto could do a little better. One group of analysts is saying they will increase 0.5%, while the other group is predicting a 0.5% decline. Yikes! On the other hand, the report on business inventories for December is expected to remain the same at 0.2%.
Finally, on Friday we will get the consumer sentiment report from the University of Michigan. Its monthly report has been indicating a rise in consumer confidence. Both forecasting groups are extremely optimistic, believing this final report should come in at 100.0 or 98.5.

About Scoreinc.com

Scoreinc.com, Inc., headquarter in Mayaguez Puerto Rico USA, with offices in Mobile Alabama, is a leading provider of services to the derogatory credit sector of the financial service industry through its Scoreway® Software Solution and credit report accuracy dispute services. The Scoreway® platform provides an end-to-end management solution that helps the companies that we serve manage the credit review and dispute process and to improve controls and profitability. Scoreinc.com services an ever growing list of mortgage company’s, banks, credit unions, Realtors®, builders and credit service organizations through its innovative technology and credit report accuracy service.

Contact Score for more information at 877-876-5921 or by visiting the following pages:
Credit Repair Merchant Service
Fair Debt Collection Practices-learn to earn from FDCPA
Credit Repair Business Training
Credit Repair Software
Credit Repair Solution

For more details please visit Scoreinc.com

20 Apps to Look for in 2015

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Mobile apps, as swiftly as they are introduced, are seizing control of the overall mobile market, steering users away from traditional Web surfing. A report from Flurry found that while consumers spend an average of 2 hours and 42 minutes on their mobile devices each day, only 22 minutes of that is online — the rest is apps.
For real estate professionals who already value the boons of mobile technology, hopping on this trend while it’s still burgeoning is a surefire way to help increase business in the future.
Moving into 2015, here are 20 apps we think you should be looking out for:
Phramed – Another great photo sharing app, Phramed compiles up to five photos into a collage, which can then be shared via your favorite social media channels. It’s a great tool for branding, as well as showcasing a new property.
GoPro App – Pictures have always been the crux of marketing listings online, but with the popularizing of YouTube, video sharing is quickly becoming the new go-to medium. GoPro App, compatible only with the multi-functional GoPro camera, affords users the unique ability to not only control cameras remotely with their mobile device, but also effortlessly share the HD quality clips on social media channels.
Pro HDR – High-quality photos are often the difference between an online listing garnering interest and landing flat. Pro HDR allows amateurs to snap multiple shots and convert them into high quality, high definition photos on par with the pros, saving both time and money.
Storehouse – You are your brand. Storehouse is a new way for agents to cultivate their brand, allowing them to seamlessly blend photos and videos into a unique storytelling experience. Don’t just tell your clients who you are and what your business is about – show them.
Nest Learning Thermostat – For agents who want to show their clients how tech-savvy they are, bring their attention to the Nest Learning Thermostat. Through the app, users can take one more step towards total home automation, remotely scheduling when they want their home to be heated or cooled throughout the day. Your clients will also appreciate the alerts Nest sends in the event of smoke or carbon monoxide detection.
Pebble – If you have a smartwatch, an increasingly popular technology, this is definitely the app for you…or your client. Pebble is essentially an aggregator for your mobile apps, allowing you to download and organize literally 1,000 apps right on your wrist, effectively turning you into the James Bond of real estate.
Evernote – Being an agent can be exciting – exploring the city, meeting new people, closing the tough deal – but it’s easy to get lost in the sometimes messy minutiae of the industry. Too many things are happening to keep track with simple pen and paper. Evernote promotes easy organization. Whether it’s a photo, PDF file, little notes, an audio clip, whatever, Evernote allows users to store and collect information all in one intuitive digital notebook.
IFTTT – An acronym for “if this then that,” IFTTT is an app all about streamlining. Through IFTTT – pronounced like “gift” without the “g” – users can link apps to work simultaneously. So, say you have a really clever status update; IFTTT helps to make sure that same status is posted through all your relevant social media channels.
Carrot – It’s never easier to get something done than when you have someone berating you the whole time. Carrot works to simulate that experience, providing users with an interactive to-do list that gets on your case when you’re taking too much time to complete a task and, on the flip side, showers you with congratulations upon successful completion. For agents who need that extra push, it’s a must.
Genius Scan – Genius Scan lets users scan documents using their smartphone camera before seamlessly and effortlessly exporting them as JPEG or PDF files. While electronic documents are playing a bigger role in real estate, time sensitive, hard copy documents are still the standard.
Waze – Think of Waze as your “eye in the sky,” pooling communal updates on real time road conditions, including traffic, to help you find the best route to get you to your destination on time.
Commute Time Widget – Not so much a mobile app as it is one for your personal website, the Commute Time Widget is still a must for agents hoping to improve their online presence. By including the widget on your website, clients can easily calculate how far a particular property is from their workplace, schools, etc.
Mailtracker – Sick of worrying about whether your emails were ever opened? Well, worry no longer, because with Mailtracker, agents and clients can monitor the status of emails in real time. The app will notify users when emails are opened, what device they were opened on, how many times a particular email has been viewed, how long it was viewed and more.
Cloze – Facebook isn’t as exclusive as it once was, nor is it as under the radar – and the same can be said of most social media channels. More people are online than ever before, and what Cloze does is organize and consolidate the relationships people have made so online that users are seeing updates from their most important contacts.
Mailbox – Right now, I have upwards of 250 emails in my inbox. A few thousand shy of some people I know, but still enough to feel unnecessarily cluttered, which is something a lot of agents are struggling with. Mailbox is a minimalistic approach at managing emails, helping and even encouraging users to read through old emails and then delete them. Don’t want to read or delete an old email right now? No problem. Mailbox includes a unique snooze feature that sends messages to the top of your inbox at a designated time later in the day.
Dashlane – If you’re truly tech-savvy, it’s a safe bet that you’re juggling a laundry list of unique logins and passwords, which can sometimes be overwhelming. Dashlane effectively streamlines the storage of passwords, logins and financial information, like credit and debit card numbers, so that logging into websites and conducting online transactions are as easy as a tap and a swipe.
Slide Bureau – Don’t be the by-the-book agent who does their due diligence, working up marketing literature and reading through reports, and then wastes the effort by conveying it to clients as dully and dryly as it was original written. Slide Bureau can take valuable information and morph it into something digestible and attractive. Users will have the ability to easily share materials over a variety of platforms in a multitude of formats, including slideshows, web pages, PDFs, JPEGs or video.
KeyMe – KeyMe is either incredibly genius, or incredibly creepy. For the habitual misplacers or forgetters, like myself, KeyMe is perfect for when you’ve lock yourself out and don’t have a spare – or left the keys to a listing back at the office. It keeps digital copies of keys so that getting a replacement means either having one mailed to you via KeyMe, instantly cut at a KeyMe kiosk or freshly made by a locksmith who needs only follow instructions embedded in the app.
Humin – When you’re meeting so many new faces, it’s hard to keep track of who’s who and how you met. Not with Humin, an app that stores the little details surrounding where and how you met a person and organizes these details by facial recognition technology to help jar your memory.
Timeful – We all have our routines; sometimes, even though they feel comfortable, they’re actually a detriment to our business and, possibly, life. Using a sophisticated algorithm, Timeful, a mixed calendar/to-do app, monitors how the user gets things done and then offers advice on how to better complete the same task. Agents with a lot on their plate will appreciate the new perspective and might even build some more effective, long-term habits in the process.

By: James McClister, www.chicagoagentmagazine.com

About Scoreinc.com

Scoreinc.com, Inc., headquarter in Mayaguez Puerto Rico USA, with offices in Mobile Alabama, is a leading provider of services to the derogatory credit sector of the financial service industry through its Scoreway® Software Solution and credit report accuracy dispute services. The Scoreway® platform provides an end-to-end management solution that helps the companies that we serve manage the credit review and dispute process and to improve controls and profitability. Scoreinc.com services an ever growing list of mortgage company’s, banks, credit unions, Realtors®, builders and credit service organizations through its innovative technology and credit report accuracy service.

Contact Score for more information at 877-876-5921 or by visiting the following pages:
Credit Repair Merchant Service
Fair Debt Collection Practices-learn to earn from FDCPA
Credit Repair Business Training
Credit Repair Software
Credit Repair Solution

For more details please visit Scoreinc.com

Current Trends in the Fix-and-Flip Market

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The location of a property is always key, of course, especially to investors looking “fix and “flip” a single-family residence.
Some new reports are showing that older homes in still-desirable markets may offer key opportunities for flippers to get creative. These older homes can sometimes be renovated with current finishes and features that make them more attractive to homeowners.
The rehab market is still a significant driver of the health of the housing market overall. A report by real estate data provider RealtyTrac found that houses that were “flipped” still represented approximately 4 percent of the total single-family homes sold in Q3 2014. Of all the homes sold, almost 26,950 single-family homes were flipped; and while this figure represented a decline from previous periods, the reported gross return on investment of these homes slightly increased.
The high average profits per flip in the recent period demonstrate that flippers are still filling an important niche in an aging housing market with historically low levels of new homes being built. “The most successful flippers are buying older, outdated homes in established neighborhoods and rehabbing them extensively to appeal to modern tastes,” said Daren Blomquist, vice president at RealtyTrac. “The markets with an increase in flipping tend to be those with older, distressed, inventory still available that flippers can often buy at a discount and add value to. Those discounted distressed properties have become harder to find, but a recent jump in scheduled foreclosure auctions could provide more fodder for flippers in the next three to six months.”
Recent Increase in Foreclosures
Mr. Blomquist was referring to RealtyTrac’s recent announcement that foreclosure filings in October 2014 increased 15% from the previous month. These filings — which include default notices, scheduled auctions, and bank repossessions — covered over 123,000 properties nationwide. The auction schedules alone increased more than 20% from the previous month.
October can be a seasonally high foreclosure month because banks try to get ahead of the usual holiday foreclosure moratoriums. “But the sheer magnitude of the increase last year demonstrates there is more than just a seasonal pattern at work,” said Mr. Blomquist. “Distressed properties that have been in a holding pattern for years are finally being cleared for landing at the foreclosure auction.”
Increases in Remodel Value-to-Cost Ratios
Some data exists to show that the value-to-cost ratio for the average project may have increased approximately 10% as compared with 2013 figures. Older homes may thus represent a good opportunity for flippers, provided that the more fundamental infrastructure of the house remains in good shape.
Some have suggested, for example, that kitchen remodels may be a good use of rehab funds — a prime target for investors in older homes. Indeed, other studies have shown that minor kitchen remodels and deck additions have been coming in with positive return-on-investment figures in many cities.
Flippers do not have to undertake a complete redesign of the kitchen to get the most value out of their renovations. Instead, they could give the kitchen a facelift, which could include replacing outdated appliances for newer models. When it comes to deciding on replacement appliances, flippers might consider appliances that have advanced features like convection ovens or even Wi-Fi connectivity.
Another minor kitchen remodeling project can be refacing or refinishing kitchen cabinets. This task can take time, but may ultimately be more cost-effective compared to the replacement of cabinets in their entirety. Finally, the work surface of the kitchen is integral to its overall utility. Installing durable countertops that will stand the test of time can be another source of value in renovating kitchens in older homes.
As always, flippers should pay attention to the projected cost-to-value ratio of each of these possible projects.

By: Lawrence Fassler, www.nuwireinvestor.com

About Scoreinc.com

Scoreinc.com, Inc., headquarter in Mayaguez Puerto Rico USA, with offices in Mobile Alabama, is a leading provider of services to the derogatory credit sector of the financial service industry through its Scoreway® Software Solution and credit report accuracy dispute services. The Scoreway® platform provides an end-to-end management solution that helps the companies that we serve manage the credit review and dispute process and to improve controls and profitability. Scoreinc.com services an ever growing list of mortgage company’s, banks, credit unions, Realtors®, builders and credit service organizations through its innovative technology and credit report accuracy service.

Contact Score for more information at 877-876-5921 or by visiting the following pages:
Credit Repair Merchant Service
Fair Debt Collection Practices-learn to earn from FDCPA
Credit Repair Business Training
Credit Repair Software
Credit Repair Solution

For more details please visit Scoreinc.com

Don’t Fall for these Retail Tricks that Entice You to Spend More

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There’s a reason that salesperson is being rude. Increasingly sophisticated consumer research shows that if she disses you, you’ll spend more.
Today’s marketing strategies aren’t dreamed up in smoky rooms full of Mad Men. The tools companies employ to get you to buy their stuff have grown ever more sophisticated, with marketers even using neural measurements to design product packaging and appeal to your deepest desires (to be covered in Cheetos dust, apparently).
Consumer experience these days is not simply designed; it’s engineered. Research determines the ads you see, the scents and sounds you encounter in stores, even the way a salesperson might casually touch your arm. It’s not all high-tech brain science, but here are some of the tricks companies use to entice you to spend more.
1. They make you nostalgic
The abundance of families, puppies, and childhood ephemera in the ads you see every day is more than a simple ploy to tug on your heartstrings. Recent research shows nostalgia makes people value money less and feel willing to pay more for purchases.
2. They sic rude salespeople on you
At high-end stores like Gucci, customers are actually more inclined to buy expensive products after a salesperson has acted snottily to them, a new study found. This effect — which doesn’t work with mass-market brands, only luxury — seems to have something to do with the desire to be part of an in-crowd. To paraphrase Groucho Marx, you’re more likely to want to belong to a club that doesn’t want you as a member.
3. They use smaller packaging to get you to buy bigger
You’d think that it would be easier to buy and drink less soda and beer if you stick to the cute new mini-cans that seem to be all the rage these days. But research shows buying multi-packs of those small sizes can actually lead people to consume more overall.
4. They get you lost and confused
It’s not an accident that grocery stores are often laid out unintuitively. Losing focus makes people spend more on impulse purchases, says expert Martin Lindstrom, who has conducted studies on marketing strategies. Getting interrupted during shopping also makes you less price-sensitive, according to research co-authored by marketing professor Wendy Liu at UC San Diego. That’s because when you return to look at products after a distraction, you have a false sense of having already vetted them, she says.
5. They mimic your gestures — and get women to touch you
A woman’s touch — but not a man’s — makes people of either sex looser with their money, so when that saleswoman touches your shoulder, you may unwittingly end up spending more. Additionally, research shows that if a salesperson of either sex imitates your gesticulations, you are more likely to buy what he or she is selling.
6. They get you to handle the merchandise
Consumers are willing to pay at least 40% more for mugs and DVDs — and 60% more for snacks — that are physically present than for the same products displayed in photographs or described in text, according to a Caltech study. And other research shows your willingness to pay more increases as you spend more time looking at and holding objects.
7. They create the illusion of bulk bargains
Whether you’re using a jumbo shopping cart or a small basket, you’re going to be tempted to load it up, so it pays to make sure those “deals” are actually worthwhile. Researcher Lindstrom found that adding the sentence “maximum 8 cans per customer” to the price tag of soup cans caused sales to jump, even if no true discount was offered, because it gave the illusion of one. It’s worth asking at checkout: Does that “10 for $10” also mean one for $1?
8. They give you free treats
Consuming even one free chocolate increased shoppers’ desire for nonfood luxuries — including expensive watches, designer shirts, and Mac laptops — right after eating it, according to a study in the Journal of Consumer Research.
9. They drop the dollar sign
If you think the plain old “28” rather than “$28” on the menu of your favorite fancy restaurant is simply designed to look chic and minimalist, think again. A Cornell study found that a format that leaves off dollar signs and even the word dollar gets people to spend 8% more at restaurants.
10. They carefully engineer store ambiance
Ambient sounds and smells can make you less careful with your cash. In an appliance store, researcher Lindstrom pumped in the smell of an apple pie, and the sales of ovens and fridges went up 23%. He also found that alternating German and French music in a wine shop influenced which bottles customers purchased. Even non-music background sounds can make you overspend: A researcher found that the distraction of noise made people more likely to buy fancier sneakers.

By: www.money.msn.com

About Scoreinc.com

Scoreinc.com, Inc., headquarter in Mayaguez Puerto Rico USA, with offices in Mobile Alabama, is a leading provider of services to the derogatory credit sector of the financial service industry through its Scoreway® Software Solution and credit report accuracy dispute services. The Scoreway® platform provides an end-to-end management solution that helps the companies that we serve manage the credit review and dispute process and to improve controls and profitability. Scoreinc.com services an ever growing list of mortgage company’s, banks, credit unions, Realtors®, builders and credit service organizations through its innovative technology and credit report accuracy service.

Contact Score for more information at 877-876-5921 or by visiting the following pages:
Credit Repair Merchant Service
Fair Debt Collection Practices-learn to earn from FDCPA
Credit Repair Business Training
Credit Repair Software
Credit Repair Solution

For more details please visit Scoreinc.com

Long Division, Short Division, Subdivision

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Do the math, and a subdivision would seem to be the best way to make the most money with the least amount of work for a real estate agent. You have 10, 12 or 20+ brand new listings, and each of them will make you money once they’re sold. On top of that, they’re all in one place, so you don’t have to run all over town to show them.
As a bonus, they’re typically aimed at the same market segment so you don’t have the headache and costs of marketing your two-apartment in the west end one way, your fixer-upper in the east end another way and that waterfront house yet another way to a different market segment. Sounds great, doesn’t it? There is just one problem; most agents think a subdivision is a subdivision. It isn’t, and that’s the first thing you have to realize when you get one.
A subdivision is an area of land that has been divided into smaller areas on which houses are built. Unfortunately for a lot of agents, that definition is as far as they go when it comes to understanding what they have and how to market it. We need look no further than the candy-coated world of wedding rings and true love to draw a parallel that will help us see the difference between what agents think a subdivision is and what it really is.
Imagine you’re ready to tie the knot, so the two of you are shopping for wedding rings. You’ve narrowed your choices down to two styles that are similar in price, and both are in the same jewelry store. Ring A has a poster above it that says, “This ring is made from the finest metal ingredients that have been scientifically bonded under the correct temperature to ensure molecular strength no matter what household chore you do while wearing it.” Ring B has a poster above it that says, “Because your love deserves it.”
Guess which ring you’re going to buy! Ring A is being sold as a mere physical object, while ring B is being sold as a reflection of the love that brought you to that store. A is an object; B is a lifestyle statement of an ideal. It’s not much of a shift to move this example over into the world of subdivisions where the same marketing philosophy should apply.
A regular stand-alone listing is usually sold on the physical merits of the house, age, improvements, number of bedrooms and so on. Only a small portion of the marketing addresses the neighborhood unless there’s something obvious, like it’s close to schools or malls. Most people can drive down the street and determine if they like that neighborhood or not.
Your subdivision can be sold as brick and mortar as well, buildings in which you can sleep and eat that will keep you dry and warm while you do so. You can sell the neighborhood in the same way as with a stand-alone listing. That would be fine if a subdivision was a subdivision; but as I said before, it isn’t.
I know what you’re thinking: “Well Debbie, if a subdivision isn’t a subdivision, what is it?”
First let’s be clear on what a subdivision is not; it is not a house, it is not a collection of houses and it is not just a neighborhood. A subdivision is a community that you help give birth to. Sound a little heavy? Don’t worry; I’ll help ease the labor pains and give you some tips and techniques on how to market any subdivision that’ll add up to money in the bank.
You see, with subdivisions you have an active role in the shaping of a series of empty lots into a cohesive whole that is a neighborhood. Breaking with tradition can be a great way of standing out in a sea of subdivisions all vying for the buyer’s dollar.
Recently I picked up a subdivision that had not been selling well. It had gone through other real estate companies without generating the level of sales required to make it a happening spot, and the owners were concerned. They asked me if I would take a look for them; so I checked the place out. It was beautiful, a treed area with one side skirting a small pond just minutes from the city in a high-traffic area. Given the location and privacy afforded, I was surprised it wasn’t selling, so I agreed to take it over and started to look at why sales weren’t happening.
The first thing I changed was the sign on the highway advertising the place. It was a typical real estate sign with a map of the lots available (you know, that green and brown thing that looks about as inviting as a crushed caterpillar). Most of the sign was taken up by two or three smiling heads along the bottom with contact info. It looked like an advertisement for a subdivision, not for a community, so I changed it.
My sign has a full-length, welcoming picture of me with the pond behind me on the left side. It can be changed out to match the seasons. So it’s a picture of me in my subdivision advertising my subdivision. A sign that never ever grows stale. That gave it a more human element immediately. The other two-thirds of the sign has lots of white space, my contact information and open house info under the name of the subdivision with a tagline: “You’re home. Naturally.”
With the cosmetic side of things worked up, I turned my attention to making that subdivision a community in other ways. I knew that, before the roads had been put in, before the lots were cleared, before a blade of grass or tree limb had been touched, that place had a history — and I needed to uncover it. For every subdivision you handle, get the back story. What was it before? What are the memories people have of it?
To bring it to life I will be using social media and traditional door-to-door campaigning to launch a story contest. Those who lived near those woods and that pond could email me a brief memory of the place to qualify. The response so far is amazing. People are telling me about summers spent swimming and winters skating on the pond; and all those memories are good. We are tweeting excerpts out and adding them to our marketing material so that anyone who comes to check the place out leaves with a sense that it was more than empty lots and roads. It is becoming a place with a life of its own, a community they can be a part of — if they choose to make their home there.
I knew instantly that the pond was the unique selling point. By selling it as a place where children swam and skated as opposed to “lake-side lots available,” I gave prospective buyers a glimpse of the community they would join. They could easily picture themselves and their children enjoying a day of swimming or skating in the beautiful outdoors minutes from their home.
When you get a subdivision, don’t try to just sell someone a lot; sell them a lot of memories waiting to be made in their new neighborhood. Make it more than just a place where they can live; make it a place where they can build a life. That’s a community.

By: Debbie Hanlon, www.remonline.com

About Scoreinc.com

Scoreinc.com, Inc., headquarter in Mayaguez Puerto Rico USA, with offices in Mobile Alabama, is a leading provider of services to the derogatory credit sector of the financial service industry through its Scoreway® Software Solution and credit report accuracy dispute services. The Scoreway® platform provides an end-to-end management solution that helps the companies that we serve manage the credit review and dispute process and to improve controls and profitability. Scoreinc.com services an ever growing list of mortgage company’s, banks, credit unions, Realtors®, builders and credit service organizations through its innovative technology and credit report accuracy service.

Contact Score for more information at 877-876-5921 or by visiting the following pages:
Credit Repair Merchant Service
Fair Debt Collection Practices-learn to earn from FDCPA
Credit Repair Business Training
Credit Repair Software
Credit Repair Solution

For more details please visit Scoreinc.com

Supply and Demand: Still Driving Mortgage Rates

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There is often a tremendous amount of speculation in the mortgage industry regarding supply and demand, the foundation to any market. While mortgage activity remains a sticking point for the economic and housing outlook, recent data indicates that lending standards are easing and supply is increasing in the mortgage market. Many research and economic departments have recently begun writing about residential mortgage debt, which has fallen to historically low levels while the housing recovery continues to remain sluggish. If you look at institutional investment, mortgages as a percent of total assets have fallen to 30.7%, which is far below the 40-45% historical range seen prior to the recession. Also, mortgage debt continues to decline on a year-over-year basis. This brings us to question the fundamentals of our market, specifically, what is holding down stronger growth in the mortgage market?
When we ask, “Who is the primary driver of supply?” the GSEs are a good place to start. Government-sponsored enterprises have made up the majority of growth in the mortgage lending market; Fannie Mae, Freddie Mac, and (indirectly) Ginnie Mae, have surged in mortgage originations compared to private institutions. Mortgage originations from private entities, like insurance corporations and affiliate institutions, have fallen to historical lows, mainly as a function of their inherent risk premiums; it’s hard to compete with the GSEs’ daily rates.
In 2013, private securitization and other purchases had the highest average rates on first lien mortgage loans, which were about 1.5 percentage points above the average rate for GSEs. It’s important to note that the current lending environment remains relatively inexpensive (compared to only a decade ago) and that the percent of loans approved but not accepted has fallen in recent years. This traditionally indicates that borrowers are likely not turning down loans because of any “rate barrier.”
As some will note, the Dodd Frank Act and the Volcker Rule place limitations on the risk level associated with mortgage originations for some lending institutions, and certainly is suppressing mortgage lending growth to a point.
Demand by borrowers for mortgage products could be parsed into a hundred categories, as there are substantial differences among loan applications by income, gender, race and ethnicity. It’s no shock that the highest income bracket has consistently applied for more mortgage loans than any other bracket. This difference peaked in the 2004-2006 period when the top income bracket applied for more than four times as many loans as any other bracket; the top income bracket tripled the applications submitted by any other bracket in 2013. The second-highest number of loan applications came from the income bracket that was 50-79% of their metropolitan area’s median; it’s intuitive that the lowest income bracket applied for the least number of mortgage loans.
With shifting socio-economic responsibilities in today’s world, demand for loans by gender has shifted over the past few years. Historically, applications have been primarily led by males although there was a brief period from 2005-2007 where females led the number of mortgage loan applications. During this time the percent of loan application denials by gender was fairly even, leading many to believe that the surge in female loan applications was likely due to increased confidence in loan approval rates for females. Since the past recession, however, males have applied for more loans and have been denied for fewer. Joint applications for loans have consistently had the lowest denial rates.
Recently, minorities have driven demand for home mortgages. This is a reversal from the recession period, where this group saw one of the largest declines in mortgage applications. White/non-native population has consistently applied for the highest number of loans; however, there has been a switch in demand between the Black/African-American population and the Asian population. There has been a decrease in demand among the Black/African-American population, which, until 2008, had applied for the second-highest number of mortgage loans, while the Asian population has increased demand to surpass the Black/African-American population for the second-highest rank.
The mortgage market recovery has been a slow, and progressive, growth campaign. Popular opinion appears to support an increase in activity over the next several quarters as the market gains momentum, which of course is dependent on many macro factors yet to be determined. Mortgage supply is a relatively lopsided affair, as it has shifted towards GSEs, which have received the highest number of applications over the past couple years and have originated the largest number of mortgage loans. Mortgage demand has seen some shifts by income, gender, race and ethnicity over the past few years, which could be due to multiple factors including denial and lending rates offered. Higher income individuals, usually males, and some minority populations have shown the largest increase in mortgage demand since the credit tightening. As lending standards continue to ease, expect demand to pick up across other categories and spur further growth in the mortgage market.

By: Rob Chrisman, www.stratmorgroup.com

About Scoreinc.com

Scoreinc.com, Inc., headquarter in Mayaguez Puerto Rico USA, with offices in Mobile Alabama, is a leading provider of services to the derogatory credit sector of the financial service industry through its Scoreway® Software Solution and credit report accuracy dispute services. The Scoreway® platform provides an end-to-end management solution that helps the companies that we serve manage the credit review and dispute process and to improve controls and profitability. Scoreinc.com services an ever growing list of mortgage company’s, banks, credit unions, Realtors®, builders and credit service organizations through its innovative technology and credit report accuracy service.

Contact Score for more information at 877-876-5921 or by visiting the following pages:
Credit Repair Merchant Service
Fair Debt Collection Practices-learn to earn from FDCPA
Credit Repair Business Training
Credit Repair Software
Credit Repair Solution

For more details please visit Scoreinc.com

What Every Salesperson Should Know about Empathy

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Everybody wants to know what drives buying decisions. Companies conduct surveys, focus groups and research projects all the time in search of an answer. Over and over again, the word we hear most often from participants is “empathy.” However empathy is a highly subjective term and can be interpreted many ways. Here are seven interpretations of empathy to help you get inspired:
First, a definition from the American Heritage Dictionary: “Identification with and understanding of another’s situation, feeling and motive.” Pretty cool, huh? That says it all.
A less-sophisticated but equally powerful way to look at empathy is an oft-used expression: “Walk a mile in the other guy’s shoes.” In other words, try to look at things from the client’s point of view.
We never tire of reviewing management expert David Maister’s quote: “Clients don’t care how much you know until they know how much you care.” Empathy trumps credibility every time.
Lois Rotkoff calls empathy an “internal mechanism that enables you to better understand what is happening around you.” Use what is happening internally to respond to external situations.
In their bestselling book, Leadership Presence, The Ariel Group explains that empathy is: “Finding the humanity in someone else, even in their weaknesses, and connecting that humanity with your own.” Use this philosophy to connect with your toughest clients — the results will speak for themselves.
In a similar sense, there is the intersecting circle rationale. Here is your circle, and here is your client’s — now, where do those two circles intersect? Or, put another way, what do you have in common and how can you relate?
Now, our concept of empathy. It’s nothing more than listening as carefully as you can to truly understand what drives the client, and relating to him or her as effectively as possible.
Buyers expect a lot from salespeople. But empathy tops that list. Do whatever you can to demonstrate this behavior; there will always be a payout.
The Importance of Positioning Statements
Speaking of empathy, there are times in our business when we must have difficult client conversations. Whether we are turning down their loan app, increasing fees, enforcing a policy or delivering other bad news, it is all part of the job.
Whenever you are facing one of these difficult conversations, strategic use of positioning statements can make the situation much more bearable. A positioning statement is a climate setter — it establishes the tone of the meeting. It also provides you with the opportunity to let the client know your intentions before you discuss anything.
There are three key components associated with every good positioning statement. Let’s take a look at each:
Positioning the Meeting in the Context of the Relationship
First, a positioning statement has to reference your relationship with the client. It is important to let the client know that your relationship is of primary importance to you and that, although you have some challenging things to discuss, you will discuss them with your relationship in mind:
“Jim, we have been working together for several years and have worked hard to be a viable resource and collaborative partner. I want you to know before we begin our discussion how important this relationship is to me and my company.”
Clarify your Intentions and Desired Outcomes
It is equally important to clarify your intentions, as they can easily be misinterpreted. We all know that intentions are not always consistent with the impact of what you say, and a difficult conversation is the last place you want that to happen. Be clear as you express your desired outcome:
“My intent today is to reach a mutually acceptable solution to the issue we discussed. I hope we can leave this meeting feeling good about our conclusions. I am confident that we can.”
Clarify the Client’s Desired Outcome
The conversation can never be just about you. Up to this point, you have been discussing what you want, what you value and what you intend to accomplish. It shows respect for the client when you ask them to express their intentions next:
“Having said that, I would now like to know your thoughts. Can you share with me what you hope to accomplish today? I want this meeting to have positive results for both of us.”
The intent is to get that challenging meeting off to a great, positive, diplomatic start. By reminding the client of the importance and value of the relationship; clarifying your intentions and desired outcome; and learning what they want to accomplish, you increase the likelihood that your meeting will achieve its objectives.
Use positioning statements, and your challenging conversations may just become a bit more comfortable. The reduced stress and tension will be worth it, every time.

By: www.barongroup.com

About Scoreinc.com

Scoreinc.com, Inc., headquarter in Mayaguez Puerto Rico USA, with offices in Mobile Alabama, is a leading provider of services to the derogatory credit sector of the financial service industry through its Scoreway® Software Solution and credit report accuracy dispute services. The Scoreway® platform provides an end-to-end management solution that helps the companies that we serve manage the credit review and dispute process and to improve controls and profitability. Scoreinc.com services an ever growing list of mortgage company’s, banks, credit unions, Realtors®, builders and credit service organizations through its innovative technology and credit report accuracy service.

Contact Score for more information at 877-876-5921 or by visiting the following pages:
Credit Repair Merchant Service
Fair Debt Collection Practices-learn to earn from FDCPA
Credit Repair Business Training
Credit Repair Software
Credit Repair Solution

For more details please visit Scoreinc.com