Fairfield, CT

The last two years have not been kind to Southport Real Estate. 21 Homes sold so far this year....down 22% from last year and down 54% from 2007.

Median price is up 6% over last year but down 16% from 2007. The increase over last year may be just a function of too few homes being sold. Avg Selling Price is off 11% from last year and a whopping 46% from 2007. The Average Price in 2007 was $1,790,685.

Southport is a great example of the current problem in the Real Estate market. Simply, it is a lack of buyers. Southport is a very desirable and prestigious location. It is Fairfield's town within the town. The harbor area is as beautiful as ever. There are plenty of homes for sale at some very good prices. Mortage Money is available and being offered at some very good interest rates.

All that is missing is the buyers!

This data was compiled from the Greater Fairfield County MLS.

Fairfield kicked off the National Pop Warner Football season with their Annual Sullivan Bowl. Four games were played on Sunday with the Fairfield Giants going up against the visiting Seymour Tigers. The 9AM game featured the Jr. Pee Wee team keeping Seymour at bay with a 12-0 victory. The 11AM game featured the Pee Wee teams in a closer contest with the Giants emerging victorious 6-0 over the Tigers. The 1PM gave the Jr Midgets a chance to show their stuff....and they did giving Seymour a 8-0 loss and keeping the scoreboard empty of any Tiger Points.

The Midget Game on 3PM added to the scoring and the excitement. Fairfield Scored to take a 7-0 lead. The Tigers came back to make it 7-6 at the half. Fairfield scored first in the second half to go up 13-7. Seymour hung tough and eventually knotted the score at 13-13. In the 4th Quarter, the Giants struck again to make it 20-13. The game ended with Seymour getting the final TD of the day but missing the PAT to leave the Giants winning 20-19.

All games were played at Sullivan Field in Fairfield.

1. Sing the Batman theme incessantly.

2. In the memo field of all your checks, write "for sensual massage."

3. Specify that your drive-through order is "to go."

4. Learn Morse code, and have conversations with friends in public consisting entirely of "Beeeep Bip Bip Beeep Bip..."

5. If you have a glass eye, tap on it occasionally with your pen while talking to others.

6. Amuse yourself for endless hours by hooking a camcorder to your TV and then pointing it at the screen. <

7. Speak only in a "robot" voice.

8. Push all the flat Lego pieces together tightly.

9. Start each meal by conspicuously licking all your food, and announce that this is so no one will "swipe your grub".

10. Leave the copy machine set to reduce 200%, extra dark, 17 inch paper, 98 copies.

11. Stomp on little plastic ketchup packets.

12. Sniffle incessantly.

13. Leave your turn signal on for fifty miles.

14. Name your dog "Dog."

15. Insist on keeping your car windshield wipers running in all weather conditions "to keep them tuned up."

16. Reply to everything someone says with "that's what YOU think."

17. Claim that you must always wear a bicycle helmet as part of your "astronaut training."

18. Declare your apartment an independent nation, and sue your neighbors upstairs for "violating your airspace".

19. Forget the punchline to a long joke, but assure the listener it was a "real hoot."

20. Follow a few paces behind someone, spraying everything they touch with Lysol.

Stay tuned for more!

TAX FREE Sales Week in CT!

One-Week Sales and Use Tax Exclusion in August for Clothing and Footwear Under $300 from Sunday, August 16th to Saturday, August 22nd.

It is up to everyone to get out there and shop! Support your Town and your State. Save, Save, Save.

Special Thanks to State Senator John McKinney for giving us the heads up reminder for this great way to save money.

How to fix your credit in Fairfield CT: Part 1 of a 4 part series

First and foremost get a copy of your credit report! You can't fix something if you don't know what's wrong. Everyday I have people call me up to repair their credit because they "know it's bad" but don't know exactly what's there. Well step one is to pull your head up out of the sand and look around (insert chuckle here).

Now the next question to answer is do you want a "soft" or a "hard" pull. A soft pull is when you check your own credit report. A soft pull inquiry does not count against you. A hard pull is when your credit is checked by a lender, car finance company, credit card issuer, etc. Hard inquiries can have (not always) a small (read usually less than 5 points) effect on your credit score.

First, there is only 1 place to get a truly free credit report (despite what those tv commercials may try to tell you). The web address for your free yearly credit report is www.annualcreditreport.com. There you can check all three of the credit bureaus: Trans Union, Experian, and Equifax. Because you are checking your own credit it is considered a "soft" pull and will not affect your scores. You can not check your FICO scores though.

If you decide to let a loan officer or someone else check the credit for you, be aware it will be a hard inquiry. Ask them in advance if they are willing to give you a copy of the report. Also ask them if it will be from all three credit bureaus and will it have a FICO score from each bureau. Know what you are getting.

There are many other websites that allow consumers to check their credit which are "quasi" free. That means it is a free credit report if you join their credit monitoring program. Most of these say that if you cancel your membership within so many days you will not be charged which is how they get away with advertising it as a "free" credit report. The best of these is probably credit.com at this webaddress.

Be wary of FAKO scores. A FICO score is the score used by lenders nationwide for mortgage financing. A FICO score comes from FICO company (formerly called Fair Isaac). Many companies now offer FAKO scores which are more profitable for them to offer. The most common of these scores are a Vantage Score or a Plus Score. The bottom line is read the fine print - make sure what you are getting is a FICO score or don't bother.

Many people will tell you that you can no longer get your FICO scores as a consumer. In fact I use to think this was a case as well. Now I recommend www.cumic.org. They offer credit reports for consumers. They cost a little more à $20 per report, but they are in an easy format to read, have a FICO score from all three bureaus, and are a soft pull which will not count against you.

Stay tuned in two days for part 2 - what to do once you have your report!

:)
Matt

Toll Free: 888-NCFIXER (623-4937)
Toll Free Fax: 888-FAX-4020 (329-4020)
Local: 860-282-6181
330 Roberts Street 4th Floor
East Hartford, CT 06108

credit repair service