About Oakland's Sequoyah Highlands

Sometimes what you don't know can be harmful! The Basics are fundamental to your credit health. Know what's in your credit report! How do I request a free credit report? You can request a free report online, by phone or by mail. Visit AnnualCreditReport.com or call 1-877-322-8228, or fill out the Annual Credit Report Request form and mail it to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. No matter how you request your report, you have the option to request all three reports at once or to order one report at a time. By requesting the reports separately, you can monitor your credit more frequently throughout the year. Why should I request my credit report? Because the information in your credit report is used to evaluate your applications for credit, insurance, employment, and renting a home, you should be sure the information is accurate and up-to-date. In addition, monitoring your credit is one of the best ways to spot identity theft. Check your credit report at least once a year to correct errors and detect unauthorized activity. Annualcreditreport.com is a website jointly operated by the three major U.S. credit reporting agencies. The site was created in order to comply with their obligations under the Fair and Accurate Credit Transactions Act (FACTA) to provide a mechanism for American consumers to receive a free annual credit report. The more you know about your credit the better prepared you will be when it comes time to get a mortgage and buy a house.

Real estate agents assist people in selling and buying homes. Anyone in California who holds a real estate license must have some knowledge of finance in order to pass the state licensing exam.

The average real estate agent, however does not need to have an abundance of knowledge quite frankly to practice real estate. The average real estate agent is the one who avoids educating themselves about real estate finance and will miss out on collecting those extra commissions because of that lack of knowledge. Knowledge of real estate finance can not only help to close difficult transactions but may also leave a knowlegable agent with a plethora of referrals in the future.

The word "Mortgage" dates back to 1066 in England when the French used the "gage" system. Real property used as colateral for a loan was known as a "dead gage", the French called it "mort" which is the word for "dead". Hence today we use the word "Mortgage".