Archive for the ‘Buying a Car’ Category

Why Do Different Bureaus Give Different Credit Scores?

Wednesday, April 24th, 2013

In today’s credit score driven environment, when having a 680 score instead of 679 can mean paying hundreds or even thousands less in mortgage fees, your EXACT “representative credit score” is a big deal. Yet pinpointing that exact score is not an easy thing to do.

“I pulled my credit and paid extra to get my scores, and

when I applied for a home loan I was told that it was 15 points lower. Why?”

I get some version of this inquiry all the time, so here’s your answer.

Each Credit Bureau Can Have Different Data

Creditors are not required to report to any or all .  When I worked as a systems consultant for Experian, we asked our client companies to report their accounts receivable data to us, and we gave them a discount on the credit reports that they pulled if they reported their customer data, but we didn’t require it. Smaller … While the activation number may appear low compared to at&t’s 4

Seeing colors in shades of gray: Would you buy a neon green house or a yellow car?

Friday, July 16th, 2010

As children, it seems as if our favorite crayons were the ones with the brightest, wildest colors. A neon green house with purple trim would have made absolute sense. But over time, our preference of colors   – for homes and cars, in particular  – got more muted.

If you are in the market for a new or , color may be on your mind. It tends to influence our attitudes towards a house (popular exterior paint colors here in the United States include white, beige and shades of gray) and is the reason why articles on “how to sell your home” typically address the best color choices to promote a sale. A few recent reports also look at how color may influence reactions –  from both neighbors and car thieves.

One Dutch study, as reported in the Huffington Post, suggests that thieves tend to avoid cars of a certain brushstroke for their poor resale value. The research determined that black, silver and gray cars were more likely to be stolen by car thieves than those painted lollipop shades of yellow, pink or red. In sum: a yellow car is probably better than a car alarm.

And that hypothetical neon green home with purple trim? It’s for real. The house is causing a stir in a Los Angeles area neighborhood where neighbors are concerned that the house’s luminous exterior will affect their own property values. Though the residents have appealed to public officials for help, it appears that no one can force a color makeover since the area has no HOA-type guidelines outlining color schemes, according to The Los Angeles Times.

–By Anna Cearley,

What’s your favorite car or house color?

This post was written by acearley

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