What you need to know about the Equifax hack

 

Friends and clients, You’ve probably already heard, but 143 million Americans are potentially affected by the recent, unprecedented Equifax hack. If you were afraid of having your data stolen (names, SS#, birth dates, addresses, credit cards numbers, and driver's license numbers, etc.); you may have already taken some steps to limit the damage. What if you are in the process of buying a home or are getting ready to do so? How does this hack affect you and what can you do to make you are protected? Potential fallout for Homebuyer: If your Equifax file was looted but you've done little or nothing to detect fraudulent activity on one or more of you credit accounts. If your are taken advantage of by hackers, it creates a huge mess if you're looking to qualify for a home loan and those already in escrow. ​Steps to take now: Even if you have never used Equifax directly, the credit reporting agency could still have a lot of your personal information. You can go to the Equifax website to see if you were affected. To protect your credit and prevent thieves from stealing your identity, pull your credit reports for free once a year at www.annualcreditreport.com. Look them over carefully to make sure there are not any fraudulent accounts and/or charges. If you see anything, get on the phone with the creditor right away and start the dispute process. If you're in the process of applying for a home loan or are under contract, you'll also want to call your lender immediately to alert them to what you found. To freeze or not to freeze: There has been quite a bit of discussion about credit freezes since news of the breach broke. Some consumers are concerned that "turning off" their credit could potentially damage their score or negatively impact them in some other way - especially during the homebuying process. A credit freeze is the most extreme method, but it's also the most effective at preventing your information from being stolen and used to open new accounts. If you don't want to lock out all creditors - perhaps you're in the middle of mortgage shopping or refinancing - you can place a 90-day fraud alert on your credit that tells potential creditors to verify your identity before issuing credit in your name. If you have any questions for me at all about this credit hack or about anything else related to real estate, don’t hesitate to give me a call or send me an email. I’m always here to help. In the mean time, if you would like to search all of the homes in the Greater Phoenix Area, click on this link. If you would like to know what your home is worth, click on this home value link.   Until next time,

__________________________ Monique Walker RE/MAX Excalibur Realtor Phoenix, AZ Mobile: (602) 413-8195 Monique@MoniqueSells.com

 

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Monique Walker 8510 E. Shea #100 Scottsdale, Arizona 85260 US

Video: When should you accept a cash offer?

Are Cash Offers Always the Best Option?

10/25/2017 | Phoenix, AZ When selling your home, is it always best to accept a cash offer? It’s true that a cash offer is rumored to be the best option, but that isn’t always the case. Taking the time to find the right buyer is what truly matters when trying to get top dollar for your home. However, there are situations where a cash offer would still reign supreme. To find out which sort of offer is best for your specific home sale, watch this short video. Watch on your Mobile Device!

Looking to sell your Phoenix Metro Market Home? Get a FREE Home Value Report   Looking to buy a Phoenix Metro Market Home? Search All Homes

You may also call me at (602) 413-8195 for a FREE home buying or selling consultation to answer any of your real estate questions.

Tom Ross Bay Equity Home Loans (602) 791-5861 tross@bayeq.com Sincerely, Monique Walker RE/MAX Excalibur Phoenix, AZ Mobile: (602) 413-8195  Monique@MoniqueSells.com

 

You subscribed to our newsletter through our website, by emailing us asking for extra information or sales materials, by subscribing to our news through a sister site, by attending one of our events, or perhaps just because you're a friend or connection of us. If you don't wish to receive these updates, please unsubscribe anytime, below:

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Click to view this email in a browser If you no longer wish to receive these emails, please reply to this message with "Unsubscribe" in the subject line or simply click on the following link: Unsubscribe

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Monique Walker 8510 E Shea Blvd #100 Scottsdale, Arizona 85260 US