A.D. CANTELMO REALTY/TONY CANTELMO
BROKER
TONY CANTELMO





A.D. Cantelmo Property Management

Our Business is Property Management in Orange County California


Keeping an eye on your score



Keeping your eye on your credit report and FICO score is more important today than ever before. With more businesses using FICO scores To decide your credit worthiness and now with the breach of personal information at retailers such as Target and Home Depot, no one is safe. But getting your score and keeping track of your score can be a little confusing; I know this from personal experience.

I wanted to check my credit score so I went to Experian.com and ordered my free report and score. I was mindful of not signing up for anything extra, but somehow I did not realize that I had agreed to a 7 day trial for credit monitoring. I notice a $14.95 charge to my account. I called Experian and tried to explain that I did not know that I signed up for the monitoring, but they were not sympathetic. I even wrote the CEO, but have yet to hear back. I did some research and have found that Creditsesame.com is free and does not ask for a credit card. I just signed up and did get my score. It was higher than the Experian score, but in the ball park. I also signed up for free monitoring, I will report back in a month or so and let you know how I feel about the service.

  Many people think that only when they apply for a credit card, a mortgage, a car loan, or some other kind of loan will their credit score become important, but that is just not the case. Many times it may affect what you pay for auto insurance, whether you can rent a home, or even employers may want to know about your credit. The most important thing to do is get a look at your credit report. Now there are many companies out there that say they will help you improve your credit score, but the reality is that you can do this yourself.

First dispute any negative on your report to the 3 agencies. Remember you must do all 3 agencies. When you dispute with the credit agencies they must investigate and respond to you within 30 days. Each of the three credit agencies (Experian | TransUnion | Equifax) have a section on their web sites for disputes.   Another big mistake people make is that they close revolving accounts. That actually brings down your credit score. It makes no sense, but one of the factors affecting your credit score is available credit. If you close the account you have less available credit. Keep the accounts open and just don’t use them.

The rest is basic, pay your bills and pay down your debts. You can improve your credit score, it just takes time. If you have good credit, guard it closely, it can save you quite a bit of money.






A.D. Cantelmo Property Management Specializes in Property Management in Orange County Ca.

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What my clients are saying  

5 reviews 5.0 star rating 1/21/2016 I was tired of using a large management team to manage my investment property. I felt I was always on the back burner. I was recommended to Tony from a business associate, he assured me I would be very pleased. Well that was an understatement, Tony is amazing. He's above all honest and always available for my concerns. I'm not as well versed as other investors with property management and maintenance and tenant relations, Tony has been an excellent partner and has guided me through quite a bit of needed repairs and worked far beyond what was expected to help turn my little investment into quite a prosperous investment, If what your looking for is prompt return calls, honest direction and someone very knowledgeable with general contractors and real estate laws, Tony is your man. Angela

 

~ Angela

5 reviews 5.0 star rating 1/21/2016 I was tired of using a large management team to manage my investment property. I felt I was always on the back burner. I was recommended to Tony from a business associate, he assured me I would be very pleased. Well that was an understatement, Tony is amazing. He's above all honest and always available for my concerns. I'm not as well versed as other investors with property management and maintenance and tenant relations, Tony has been an excellent partner and has guided me through quite a bit of needed repairs and worked far beyond what was expected to help turn my little investment into quite a prosperous investment, If what your looking for is prompt return calls, honest direction and someone very knowledgeable with general contractors and real estate laws, Tony is your man. Angela

 

~ Angela

"10 out of 10 I am so Happy Since I left my old company and I joined AD Cantelmo Property Co I am stress free I live in a different state and this company watches my house and always Mr Tony Cantelmo is on top of things I really want to thank you for what you do for me and I would really Recomend this Company to any and every one Thank You again. Shawn" ------------------- "I need to trust the people I work with and I trust Tony. He stays on tops of things, communicates well, and gets things done. He not only gets things done but he gets things done the right way. Jim"

 

~ Shawn

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