If you are in the market to purchase a home or want to refinance your mortgage to take advantage of the lower interest rates available, you will want to run a credit report first.  This will allow you find out:

1. What is my credit score?

2. Are there any accounts being reported that aren’t mine?

3. Are there discrepancies being reported by my current creditors?

Check our your credit report from Experian before buying or refinancing a home.     credit-agencies2     equifax1

Thanks to the Fair Credit Reporting Act, you are entitled to one full credit report from TransUnion, Experian and Equifax each year.  That means, you can either request one free report from each credit reporting agency sporadically throughout the year or you can order all three at once to compare information.  This is the more recommended method, since companies don’t all report to the same agencies and information on each report can vary.  The better your credit is before you purchase or refinance your home, the better interest rate you will receive, saving you money.  When you find any mistakes on your credit report, immediately notify the agency it was reported to and file a dispute on the discrepancy.  It is the credit reporting agency’s responsibility to follow up on it.  Visit http://www.annualcreditreport.com to get a copy of your free reports online, via phone or in the mail.

If you have any more questions about getting your free credit report or need help with your Western North Carolina real estate needs, please give me a call at (828) 808-9238 or email me at rich@richcooke.com.  I’m here to help.

Celebrate Valentine's Day in HendersonvilleThere are only two more shopping days ’til Valentine’s Day.  If you haven’t found something to do yet, you’re in luck!  There are two events going on this weekend that any couple can enjoy.  On Saturday, the VFW Post #5206 in Hendersonville will be sponsoring a Valentines Dance.  Rock out with your sweetie to country and oldies rock tunes performed by The Carolina Misty Band.  The dance begins at 7pm and is open to anyone aged 21 years or older and costs only $7/person.  For more information on this fabulous event, call the VFW in Hendersonville at 828-693-5930.

If your sweetie is a wildlife lover, take a Guided Bird Walk with the ECO & Henderson County Bird Club at Jackson Park in Hendersonville.  The walk begins at 9am.  For more information, please call 828-692-0385.

Contact me for all your Hendersonville real estate needs.  I can help you with your home in Hendersonville, Laurel Park, Horse Shoe, Mills River, Flat Rock, Lake Lure, Asheville, Tryon and Saluda.

The beautifully restored Henderson County Historic Courthouse in Hendersonville, NC.After completing its two-year, $10.8 million renovation, the Henderson County Historic Courthouse was honored January 29th with the North Carolina Office of Urban Development award for “Best Public Building Improvement”.  When a new courthouse was opened in 1995 in Hendersonville, the old courthouse became abandoned.  But, with the recent renovation, the Henderson County Historic Courthouse houses the county’s Heritage Museum as well as administrative offices for the county.  Part of the renovation included adding a 12,000 square foot annex for office space, rest rooms, a community room, museum space and a meeting facility for the county commissioner that seats 140 people.  The renovation of the old courthouse as well as the award of recognition have helped revitalize Hendersonville’s downtown area and bring part of Henderson County’s history to the forefront.  To find out more about the Hendersonville community, events or real estate, please contact me.