エピソード

  • Homebuying Mistake #2: Skimping on the Down Payment

    Homebuying Mistake #2: Skimping on the Down Payment
    2024/11/13

    Today, we’ll discuss why your down payment matters more than you might think. A low down payment can lead to high monthly costs, added PMI, and long-term financial strain. Tune in to learn how to save smartly and set yourself up for financial success!

    💡 Take charge of your home-buying journey! My Smart Homebuying Course has tools to help you plan the right down payment. Don’t miss the 50% discount with code SMARTPOD until November 30, 2024!

    📲 Visit my website: lauramoreno.com

    📚 Course Link: Smart Homebuying Finances

    📊 Data Source: List With Clever's Homebuyer Sentiment Study
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    9 分
  • Homebuying Mistake #1: "Not Knowing How Much You Can Afford"

    Homebuying Mistake #1: "Not Knowing How Much You Can Afford"
    2024/11/11
    Homebuying Mistake #1: Not Knowing How Much You Can Afford

    Description:

    In this episode, we’re diving into one of the biggest mistakes home buyers make—jumping into the search without understanding what they can realistically afford. We’ll go over the total costs of homeownership, beyond just the mortgage payment, and I’ll share practical tips to calculate a budget that works for your family.

    💡 Want to master your home-buying finances? Check out my Smart Homebuying Course for step-by-step guidance on budgeting and financial planning! Get 50% off with code SMARTPOD!

    📲 Visit my website: lauramoreno.com

    📚 Course Link: Smart Homebuying Finances

    📊 Data Source: List With Clever's Homebuyer Sentiment Study
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    16 分
  • What is a Buyer Representation Agreement, with Mary Cates

    What is a Buyer Representation Agreement, with Mary Cates
    2024/06/24
    What is a Buyer Representation Agreement, - Introduction Mary Cates is a Realtor that found her happy place in the Piedmont Triad area of North Carolina. Mary where she helps resale clients, out-of-state clients and first time homebuyers. She enjoys helping clients navigate the real estate process and ultimately finding the home of their desire. In her spare time, Mary enjoys tennis and spending time with family. ➡️ Manhattan/Brooklyn Real Estate Agent Services: If you'd like me to help you buy, sell, rent or renovate your home in Manhattan or Brooklyn, NY, let me know, I'd be happy to! Just send an email to lauramoreca@gmail.com or text me at 347-440-9582. ➡️ Real Estate Referrals: 🌟 Find A Real Estate Agent Near Me: Looking for a trustworthy real estate agent in your area? Our referral service connects you with experienced real estate agents near you, ensuring you have the right expert by your side throughout your home-buying journey.🌟 Find A Mortgage Broker Near Me: Securing the right mortgage is crucial. Our network of trusted local mortgage brokers near you helps you find the best rates and terms tailored to your financial situation, making your dream home within reach. ➡️ Free Home Buyer Resources: 🌟 Home Buying Checklist: Our comprehensive home buying checklist covers everything you need to consider when buying your first home. From budgeting to inspections, this resource ensures you stay organized and avoid common pitfalls.🌟 Best Home Buying App: Our app is one of the best home buying apps in the market that simplifies your search, organizes your preferences, and keeps you informed about the latest development on your home buying process. Finding your dream home has never been more convenient.🌟 Homes For Sale Aggregator: Our aggregator compiles listings from various sources, providing you with a centralized platform to explore available homes. Save time and energy by having all the information you need in one place with our homes for sale aggregator.🌟 First Home Buyer News: Stay in the know with the best newsletter for first time home buyers that delivers curated content, market insights, and expert tips directly to your inbox. It's the ultimate resource for staying informed and making informed decisions.🌟 Smart Home Buyer Calculator: Dive into the best home buyer calculator that includes 4 powerful calculators to help you understand if you should buy a home or not and understand how much exactly it will cost .🌟 Improve Your Credit Score: Your credit score plays a vital role in the home-buying process. Use our recommended credit score check tool to understand where you stand financially and to improve your credit score so and can pay less on your mortgage.🌟 Mortgage Interest Rates Today: Your mortgage will be the most expensive cost on owning a home this is why you need to be aware of the mortgage interest rates today and try to get the lowest. ➡️ Social Media ⭐ YouTube: https://www.youtube.com/@iamlauramoreno ⭐ Instagram: https://www.instagram.com/iamlauramoreno ⭐ Twitter: https://twitter.com/iamlauramoreno ⭐ LinkedIn: https://www.linkedin.com/in/Iamlauramoreno ⭐ TikTok: https://www.tiktok.com/@iamlauramoreno ➡️ Hire Me ⭐ Speaking, Events, Podcast Interviews, Collaborations & Endorsements - info@lauramoreno.com ⭐ Schedule a 1-1 Home Buying Consultation → https://lauramoreno.com/1-1-consultation/ ➡️ Contact Laura I'd love to hear from you! If you have a longer question, or if you have a business-related inquiry, please send me an email at info@lauramoreno.com. I try my best to reply to all e-mails but sometimes I do not have enough time to respond to everyone. ➡️ Disclaimer Laura Moreno is not a practicing tax accountant or a licensed attorney or financial adviser. Therefore, the information in these videos shall not be relied upon as tax, legal, or financial advice from a qualified perspective. If you need such advice, please contact a qualified tax accountant, attorney, or financial adviser. We have taken reasonable steps to check that the information in this video is accurate but we cannot represent that it is free from errors. You expressly agree not to rely upon any information contained in this video - it is for entertainment purposes only. This video description may contain affiliate links that allow you to easily find the items mentioned in my videos as well as support the channel at no cost to you.
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    24 分
  • The Truth About SONYMA Down Payment Assistance Program with Christine Perlow

    The Truth About SONYMA Down Payment Assistance Program with Christine Perlow
    2024/06/17
    SONYMA Down Payment Assistance Program - Introduction The Truth About SONYMA Down Payment Assistance Program with Christine Perlow Christine Perlow is a Sr. Loan Officer at Nationwide Mortgage Bankers. She has been in the mortgage industry for over 30 years and she is most passionate about helping her First Time Buyers. She has been in the SONYMA Hall of Fame for the past 10 years and always in the top 5! She is the mom to twin boys who are 18 years old graduating from High School and heading off to college! Christine and her husband are enjoying this special time. ➡️ Brooklyn Agent Services: If you'd like me to help you buy, sell, rent or renovate your home in Brooklyn, NY, let me know, I'd be happy to! Just send an email to lauramoreca@gmail.com or text me at 347-440-9582. ➡️ Real Estate Referrals: 🌟 Find A Real Estate Agent Near Me: Looking for a trustworthy real estate agent in your area? Our referral service connects you with experienced real estate agents near you, ensuring you have the right expert by your side throughout your home-buying journey.🌟 Find A Mortgage Broker Near Me: Securing the right mortgage is crucial. Our network of trusted local mortgage brokers near you helps you find the best rates and terms tailored to your financial situation, making your dream home within reach. SONYMA Down Payment Assistance Program - Free Home Buyer Resources: 🌟 Home Buying Checklist: Our comprehensive home buying checklist covers everything you need to consider when buying your first home. From budgeting to inspections, this resource ensures you stay organized and avoid common pitfalls.🌟 Best Home Buying App: Our app is one of the best home buying apps in the market that simplifies your search, organizes your preferences, and keeps you informed about the latest development on your home buying process. Finding your dream home has never been more convenient.🌟 Homes For Sale Aggregator: Our aggregator compiles listings from various sources, providing you with a centralized platform to explore available homes. Save time and energy by having all the information you need in one place with our homes for sale aggregator.🌟 First Home Buyer News: Stay in the know with the best newsletter for first time home buyers that delivers curated content, market insights, and expert tips directly to your inbox. It's the ultimate resource for staying informed and making informed decisions.🌟 Smart Home Buyer Calculator: Dive into the best home buyer calculator that includes 4 powerful calculators to help you understand if you should buy a home or not and understand how much exactly it will cost .🌟 Improve Your Credit Score: Your credit score plays a vital role in the home-buying process. Use our recommended credit score check tool to understand where you stand financially and to improve your credit score so and can pay less on your mortgage.🌟 Mortgage Interest Rates Today: Your mortgage will be the most expensive cost on owning a home this is why you need to be aware of the mortgage interest rates today and try to get the lowest. ➡️ Social Media ⭐ YouTube: https://www.youtube.com/@iamlauramoreno1 ⭐ Instagram: https://www.instagram.com/iamlauramoreno ⭐ Twitter: https://twitter.com/iamlauramoreno ⭐ LinkedIn: https://www.linkedin.com/in/Iamlauramoreno ⭐ TikTok: https://www.tiktok.com/@iamlauramoreno ➡️ Hire Me ⭐ Speaking, Events, Podcast Interviews, Collaborations & Endorsements - info@lauramoreno.com ⭐ Schedule a 1-1 Home Buying Consultation → https://lauramoreno.com/1-1-consultation/ ➡️ Contact Laura I'd love to hear from you! If you have a longer question, or if you have a business-related inquiry, please send me an email at info@lauramoreno.com. I try my best to reply to all e-mails but sometimes I do not have enough time to respond to everyone. ➡️ Disclaimer Laura Moreno is not a practicing tax accountant or a licensed attorney or financial adviser. Therefore, the information in these videos shall not be relied upon as tax, legal, or financial advice from a qualified perspective. If you need such advice, please contact a qualified tax accountant, attorney, or financial adviser. We have taken reasonable steps to check that the information in this video is accurate but we cannot represent that it is free from errors. You expressly agree not to rely upon any information contained in this video - it is for entertainment purposes only. This video description may contain affiliate links that allow you to easily find the items mentioned in my videos as well as support the channel at no cost to you.
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    36 分
  • Why It Is Essential To Talk To A Mortgage Officer Early On, With David Epstein

    Why It Is Essential To Talk To A Mortgage Officer Early On, With David Epstein
    2024/06/03
    David Epstein - Introduction David Epstein is the Vice President of First Securities Home Mortgage, and independent mortgage broker in Royal Oak, Michigan. He has been in the mortgage industry since 1993 and he focuses on giving the best customer service, follow up and attention to detail because he believes this is essential when working on mortgages. He has 4 kids and a wife and in his free time he likes golfing and being outdoors. David Epstein - Home Buying Resources Navigating the world of home buying can be overwhelming, especially for first-time buyers. That's why we've compiled a list of valuable resources to guide you through the process seamlessly. ➡️ Referrals: 🌟 Find A Real Estate Agent Near Me: Looking for a trustworthy real estate agent in your area? Our referral service connects you with experienced real estate agents near you, ensuring you have the right expert by your side throughout your home-buying journey.🌟 Find A Mortgage Broker Near Me: Securing the right mortgage is crucial. Our network of trusted local mortgage brokers near you helps you find the best rates and terms tailored to your financial situation, making your dream home within reach. ➡️ Free Home Buyer Resources: 🌟 Home Buying Checklist: Our comprehensive home buying checklist covers everything you need to consider when buying your first home. From budgeting to inspections, this resource ensures you stay organized and avoid common pitfalls.🌟 Best Home Buying App: Our app is one of the best home buying apps in the market that simplifies your search, organizes your preferences, and keeps you informed about the latest development on your home buying process. Finding your dream home has never been more convenient.🌟 Homes For Sale Aggregator: Our aggregator compiles listings from various sources, providing you with a centralized platform to explore available homes. Save time and energy by having all the information you need in one place with our homes for sale aggregator.🌟 First Home Buyer News: Stay in the know with the best newsletter for first time home buyers that delivers curated content, market insights, and expert tips directly to your inbox. It's the ultimate resource for staying informed and making informed decisions.🌟 Smart Home Buyer Calculator: Dive into the best home buyer calculator that includes 4 powerful calculators to help you understand if you should buy a home or not and understand how much exactly it will cost .🌟 Improve Your Credit Score: Your credit score plays a vital role in the home-buying process. Use our recommended credit score check tool to understand where you stand financially and to improve your credit score so and can pay less on your mortgage.🌟 Mortgage Interest Rates Today: Your mortgage will be the most expensive cost on owning a home this is why you need to be aware of the mortgage interest rates today and try to get the lowest. ➡️ Social Media ⭐ YouTube: https://www.youtube.com/@iamlauramoreno1 ⭐ Instagram: https://www.instagram.com/iamlauramoreno ⭐ Twitter: https://twitter.com/iamlauramoreno ⭐ LinkedIn: https://www.linkedin.com/in/Iamlauramoreno ⭐ TikTok: https://www.tiktok.com/@iamlauramoreno ➡️ Hire Me ⭐ Speaking, Events, Podcast Interviews, Collaborations & Endorsements - info@lauramoreno.com ⭐ Schedule a 1-1 Home Buying Consultation → https://lauramoreno.com/1-1-consultation/ ➡️ Contact Laura I'd love to hear from you! If you have a longer question, or if you have a business-related inquiry, please send me an email at info@lauramoreno.com. I try my best to reply to all e-mails but sometimes I do not have enough time to respond to everyone. ➡️ Disclaimer Laura Moreno is not a practicing tax accountant or a licensed attorney or financial adviser. Therefore, the information in these videos shall not be relied upon as tax, legal, or financial advice from a qualified perspective. If you need such advice, please contact a qualified tax accountant, attorney, or financial adviser. We have taken reasonable steps to check that the information in this video is accurate but we cannot represent that it is free from errors. You expressly agree not to rely upon any information contained in this video - it is for entertainment purposes only. This video description may contain affiliate links that allow you to easily find the items mentioned in my videos as well as support the channel at no cost to you.
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    29 分
  • Why Agents & Lenders Need To Lead With Value (Specially After NAR's Settlement), with Paul Abraham

    Why Agents & Lenders Need To Lead With Value (Specially After NAR's Settlement), with Paul Abraham
    2024/05/27
    Paul Abraham - Introduction Paul Abraham AKA BetterCallPaul is a mortgage lender and owner of LocalLender that has been in the mortgage business for 30 years. The first 10 years he was a loan officer and now he has become a loan officer trainer. He now runs a Facebook group with over 41k loan officers when he helps them to grow their business. Home Buying Resources Navigating the world of home buying can be overwhelming, especially for first-time buyers. That's why we've compiled a list of valuable resources to guide you through the process seamlessly. ➡️ Referrals: 🌟 Find A Real Estate Agent Near Me: Looking for a trustworthy real estate agent in your area? Our referral service connects you with experienced real estate agents near you, ensuring you have the right expert by your side throughout your home-buying journey.🌟 Find A Mortgage Broker Near Me: Securing the right mortgage is crucial. Our network of trusted local mortgage brokers near you helps you find the best rates and terms tailored to your financial situation, making your dream home within reach. ➡️ Free Home Buyer Resources: 🌟 Home Buying Checklist: Our comprehensive home buying checklist covers everything you need to consider when buying your first home. From budgeting to inspections, this resource ensures you stay organized and avoid common pitfalls.🌟 Best Home Buying App: Our app is one of the best home buying apps in the market that simplifies your search, organizes your preferences, and keeps you informed about the latest development on your home buying process. Finding your dream home has never been more convenient.🌟 Homes For Sale Aggregator: Our aggregator compiles listings from various sources, providing you with a centralized platform to explore available homes. Save time and energy by having all the information you need in one place with our homes for sale aggregator.🌟 First Home Buyer News: Stay in the know with the best newsletter for first time home buyers that delivers curated content, market insights, and expert tips directly to your inbox. It's the ultimate resource for staying informed and making informed decisions.🌟 Smart Home Buyer Calculator: Dive into the best home buyer calculator that includes 4 powerful calculators to help you understand if you should buy a home or not and understand how much exactly it will cost .🌟 Improve Your Credit Score: Your credit score plays a vital role in the home-buying process. Use our recommended credit score check tool to understand where you stand financially and to improve your credit score so and can pay less on your mortgage.🌟 Mortgage Interest Rates Today: Your mortgage will be the most expensive cost on owning a home this is why you need to be aware of the mortgage interest rates today and try to get the lowest. ➡️ Social Media ⭐ YouTube: https://www.youtube.com/@iamlauramoreno1 ⭐ Instagram: https://www.instagram.com/iamlauramoreno ⭐ Twitter: https://twitter.com/iamlauramoreno ⭐ LinkedIn: https://www.linkedin.com/in/Iamlauramoreno ⭐ TikTok: https://www.tiktok.com/@iamlauramoreno ➡️ Hire Me ⭐ Speaking, Events, Podcast Interviews, Collaborations & Endorsements - info@lauramoreno.com ⭐ Schedule a 1-1 Home Buying Consultation → https://lauramoreno.com/1-1-consultation/ ➡️ Contact Laura I'd love to hear from you! If you have a longer question, or if you have a business-related inquiry, please send me an email at info@lauramoreno.com. I try my best to reply to all e-mails but sometimes I do not have enough time to respond to everyone. ➡️ Disclaimer Laura Moreno is not a practicing tax accountant or a licensed attorney or financial adviser. Therefore, the information in these videos shall not be relied upon as tax, legal, or financial advice from a qualified perspective. If you need such advice, please contact a qualified tax accountant, attorney, or financial adviser. We have taken reasonable steps to check that the information in this video is accurate but we cannot represent that it is free from errors. You expressly agree not to rely upon any information contained in this video - it is for entertainment purposes only. This video description may contain affiliate links that allow you to easily find the items mentioned in my videos as well as support the channel at no cost to you.
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    44 分
  • Why Buying Overseas Could Be The Best Option for First Time Home Buyers Today, with Rodolfo Delgado

    Why Buying Overseas Could Be The Best Option for First Time Home Buyers Today, with Rodolfo Delgado
    2024/05/20
    Rodolfo Delgado - Introduction Rodolfo Delgado is a real estate startup founder based in New York and CEO of Replay Listings and Forbes contributor. He also bought his first home overseas and he is coming to share his experience and what he learned in the process. When he is not working he loves swimming and boxing. Home Buying Resources Navigating the world of home buying can be overwhelming, especially for first-time buyers. That's why we've compiled a list of valuable resources to guide you through the process seamlessly. ➡️ Referrals: 🌟 Find A Real Estate Agent Near Me: Looking for a trustworthy real estate agent in your area? Our referral service connects you with experienced real estate agents near you, ensuring you have the right expert by your side throughout your home-buying journey.🌟 Find A Mortgage Broker Near Me: Securing the right mortgage is crucial. Our network of trusted local mortgage brokers near you helps you find the best rates and terms tailored to your financial situation, making your dream home within reach. ➡️ Free Home Buyer Resources: 🌟 Home Buying Checklist: Our comprehensive home buying checklist covers everything you need to consider when buying your first home. From budgeting to inspections, this resource ensures you stay organized and avoid common pitfalls.🌟 Best Home Buying App: Our app is one of the best home buying apps in the market that simplifies your search, organizes your preferences, and keeps you informed about the latest development on your home buying process. Finding your dream home has never been more convenient.🌟 Homes For Sale Aggregator: Our aggregator compiles listings from various sources, providing you with a centralized platform to explore available homes. Save time and energy by having all the information you need in one place with our homes for sale aggregator.🌟 First Home Buyer News: Stay in the know with the best newsletter for first time home buyers that delivers curated content, market insights, and expert tips directly to your inbox. It's the ultimate resource for staying informed and making informed decisions.🌟 Smart Home Buyer Calculator: Dive into the best home buyer calculator that includes 4 powerful calculators to help you understand if you should buy a home or not and understand how much exactly it will cost .🌟 Improve Your Credit Score: Your credit score plays a vital role in the home-buying process. Use our recommended credit score check tool to understand where you stand financially and to improve your credit score so and can pay less on your mortgage.🌟 Mortgage Interest Rates Today: Your mortgage will be the most expensive cost on owning a home this is why you need to be aware of the mortgage interest rates today and try to get the lowest. ➡️ Social Media ⭐ YouTube: https://www.youtube.com/@iamlauramoreno1 ⭐ Instagram: https://www.instagram.com/iamlauramoreno ⭐ Twitter: https://twitter.com/iamlauramoreno ⭐ LinkedIn: https://www.linkedin.com/in/Iamlauramoreno ⭐ TikTok: https://www.tiktok.com/@iamlauramoreno ➡️ Hire Me ⭐ Speaking, Events, Podcast Interviews, Collaborations & Endorsements - info@lauramoreno.com ⭐ Schedule a 1-1 Home Buying Consultation → https://lauramoreno.com/1-1-consultation/ ➡️ Contact Laura I'd love to hear from you! If you have a longer question, or if you have a business-related inquiry, please send me an email at info@lauramoreno.com. I try my best to reply to all e-mails but sometimes I do not have enough time to respond to everyone. ➡️ Disclaimer Laura Moreno is not a practicing tax accountant or a licensed attorney or financial adviser. Therefore, the information in these videos shall not be relied upon as tax, legal, or financial advice from a qualified perspective. If you need such advice, please contact a qualified tax accountant, attorney, or financial adviser. We have taken reasonable steps to check that the information in this video is accurate but we cannot represent that it is free from errors. You expressly agree not to rely upon any information contained in this video - it is for entertainment purposes only. This video description may contain affiliate links that allow you to easily find the items mentioned in my videos as well as support the channel at no cost to you.
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    32 分
  • 3 Ways to Compensate Buyer's Agents (and Why) Starting July 2024

    3 Ways to Compensate Buyer's Agents (and Why) Starting July 2024
    2024/05/13
    3 Ways to Compensate Buyer's Agents (and Why) Starting July 2024 In July 2024, significant changes are set to reshape how buyer's agents are compensated in real estate transactions. These changes have far-reaching implications for members of the real estate industry, as well as for home buyers and sellers. Let's delve into what these changes mean for all parties involved. These are the 3 ways you can compensate buyer's agents starting July 2024: 1. Fixed-Fee Commission Paid Directly by Consumers In this model, buyers pay a predetermined fixed fee directly to their agent for their services. Unlike traditional commission-based structures, where the agent's compensation is a percentage of the sale price, this approach offers more transparency and predictability for both buyers and sellers. Buyers know exactly how much they will pay their agent, regardless of the final sale price of the property. This can be particularly appealing for buyers who prefer a straightforward fee structure and want to avoid potential conflicts of interest that may arise from commission-based compensation. 2. Concession from the Seller Another method of compensating buyer's agents is through concessions from the seller. In this scenario, the seller agrees to cover some or all of the buyer's agent's fees as part of the overall transaction. This can be negotiated as part of the purchase agreement and is typically based on a percentage of the sale price. For buyers, this can be an attractive option as it reduces their out-of-pocket expenses for agent fees. Sellers may also benefit from offering a concession to attract more buyers and expedite the sale process. However, it's essential to consider how this concession may impact the negotiation dynamics between buyers and sellers. 3. Portion of the Listing Broker's Compensation In some cases, buyer's agents may receive a portion of the commission paid to the listing broker. This arrangement often involves the listing broker sharing a percentage of their commission with the buyer's agent as a cooperative compensation agreement. While this method is common in traditional real estate transactions, its prevalence may diminish with the new regulations limiting MLS communication of compensation offers. Nonetheless, it remains a viable option for compensating buyer's agents and can provide an incentive for agents to collaborate and facilitate successful transactions. These three methods offer distinct approaches to compensating buyer's agents and reflect the evolving landscape of real estate transactions. As the industry adapts to new regulations and consumer preferences, agents and clients alike must carefully consider which compensation model aligns best with their needs and goals. Home Buying Resources Navigating the world of home buying can be overwhelming, especially for first-time buyers. That's why we've compiled a list of valuable resources to guide you through the process seamlessly. ➡️ Referrals: 🌟 Find A Real Estate Agent Near Me: Looking for a trustworthy real estate agent in your area? Our referral service connects you with experienced real estate agents near you, ensuring you have the right expert by your side throughout your home-buying journey.🌟 Find A Mortgage Broker Near Me: Securing the right mortgage is crucial. Our network of trusted local mortgage brokers near you helps you find the best rates and terms tailored to your financial situation, making your dream home within reach. ➡️ Free Home Buyer Resources: 🌟 Home Buying Checklist: Our comprehensive home buying checklist covers everything you need to consider when buying your first home. From budgeting to inspections, this resource ensures you stay organized and avoid common pitfalls.🌟 Best Home Buying App: Our app is one of the best home buying apps in the market that simplifies your search, organizes your preferences, and keeps you informed about the latest development on your home buying process. Finding your dream home has never been more convenient.🌟 Homes For Sale Aggregator: Our aggregator compiles listings from various sources, providing you with a centralized platform to explore available homes. Save time and energy by having all the information you need in one place with our homes for sale aggregator.🌟 First Home Buyer News: Stay in the know with the best newsletter for first time home buyers that delivers curated content, market insights, and expert tips directly to your inbox. It's the ultimate resource for staying informed and making informed decisions.🌟 Smart Home Buyer Calculator: Dive into the best home buyer calculator that includes 4 powerful calculators to help you understand if you should buy a home or not and understand how much exactly it will cost .🌟 Improve Your Credit Score: Your credit score plays a vital role in the home-buying process. Use our recommended credit score check tool to understand where you stand financially and to improve your credit score so and ...
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    25 分