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New! "Key 2017 Credit Score Changes!" This is a BIG DEAL! 3 Hours CE - McDonough

Cathy McDaniel

Wednesday, September 13, 2017 from 1:30 PM to 4:30 PM (EDT)

New! "Key 2017 Credit Score Changes!" This is a BIG...

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Major changes coming this fall!   more info Sep 13, 2017 Free  

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 Cathy McDaniel                                                      


Key 2017 Credit Score Changes!
This is a BIG DEAL affecting mortgage approval!

The math behind your credit score is getting 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.

The new method is being implemented later this year by VantageScore, a company created by the credit bureaus Experian, TransUnion and Equifax.

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

To view Waterford Commons click here!      Penny Hay, Sales Manager 470-223-9935

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



Have questions about New! "Key 2017 Credit Score Changes!" This is a BIG DEAL! 3 Hours CE - McDonough? Contact Cathy McDaniel

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Waterford Commons
100 Lossie Lane
McDonough, GA 30253

Wednesday, September 13, 2017 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 1,000 live continuing education classes, authored 145 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. She serves as the Education Director for Georgia Realty School a division of Virtual Properties Realty, Qualifying Broker for Owners 1st Property Management Company and the official trainer for "Trio Lease-to-Own" Financing Program in Georgia. She has a partnership with HomeStar Financial Corporation, Halperin Lyman, LLC and DR Horton Communities and many others which allows her to offer free classes and community events. 

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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New! "Key 2017 Credit Score Changes!" This is a BIG DEAL! 3 Hours CE - McDonough
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