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"Key Credit Score Changes!" This is a BIG DEAL! - 3 Hours CE Warner Robins

Cathy McDaniel

Tuesday, August 27, 2019 from 1:30 PM to 4:30 PM (EDT)

"Key Credit Score Changes!" This is a BIG DEAL! - 3...

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A number of changes have been implemented.   more info Aug 27, 2019 Free  

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                                         Cathy McDaniel                                            


Key Credit Score Changes!
This is a BIG DEAL affecting mortgage approval!

The three major consumer credit reporting companies - Experian, Equifax and TransUnion have new standards to enhance the quality of the credit reports they produce. 

The math behind the credit score has received an overhaul, with major changes big enough that they might alter the behavior of both cautious spenders as well as riskier borrowers.

Your credit scores come into play when you want to buy a home, rent an apartment, and obtain a credit card, getting insurance or applying for a job. So, why the big deal?  Abiding by the golden rule of "don't close your credit card accounts" may now hurt your standing. On the other side, those with low scores may benefit from the removal of civil judgments, medical debts and tax liens as factors.

Using what's known as trended data is the biggest change. The phrase means credit scores will take into account the path of a borrower's debts on a month-to-month basis. So a person who is paying down debt is now likely to be scored better than a person who is making minimum monthly payments but has been slowly accumulating credit card debt.

This is a really big deal in credit reports and credit scoring.

In addition, there have been many changes in the mortgage loan approval process, so we will talk about those changes as well.

My CE Class, LLC #5914 | Expires 12/31/20 | In-class Course, Continuing Education   
04-550-0775 | |



Have questions about "Key Credit Score Changes!" This is a BIG DEAL! - 3 Hours CE Warner Robins? Contact Cathy McDaniel

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When & Where

Atlantic Bay Mortgage Group
104 Whiting Way, St. 120
Warner Robins, GA 31088

Tuesday, August 27, 2019 from 1:30 PM to 4:30 PM (EDT)

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Cathy McDaniel

Cathy McDaniel is the author of A Road Map To Saving Your Home" which is available at the National Association of REALTORS bookshelf. Cathy has just released her current book “The Route to Homeownership” Generational Differences in Home Buying

Being in the real estate and mortgage industry since 1993 she opened "My CE Class, LLC" in 2007, a real estate school approved by the Georgia Real Estate Commission. Cathy has conducted over 1,500 live continuing education classes, authored 150+ training manuals and has met and trained more than 100,000 real estate professionals throughout 23 states since 2007. She is licensed as a continuing education instructor at many real estate boards and associations across the country. 

Cathy is recognized as an industry expert in homeownership and received from Georgia Real Estate Educators Association the 2016 “Outstanding New Program Course” and the 2008 “Educator of the Year. Today she serves as the Administrator for the new Atlanta Training Campus a divison of the Atlanta Maxim Realty International. She has a partnership with Barney Fletcher Schools, OnCourse Learning and D.R. Horton Communities, and many others which allows her to offer free classes and community events. Today she serves as the Director of Education at Atlanta Training Campus, and the 2019 Membership Director for Georgia Real Estate Educators Association.

Cathy's new home for continuing education, certificate and designation courses will be sponsored held at The Atlanta Training Center, 6251 Smithpointe Drive, Bldg. B. Peachtree Corners, GA 30092. The campus will offer training for real estate practitioniers, mortgage and insurance industry.

Visit: for course descriptions, dates and locations. 

To predict the future you must create it ...Cathy McDaniel 

 Cathy's Motto:  "Autograph Your Work With Excellence!" 

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