Welcome to the HomeInUtah.com Blog

2017-09-18 19:00:22
Protecting Your CreditProtecting Your Credit

One of the “big” three credit bureaus recently announced that a massive hack has exposed the personal information of up to 143 million people. To add perspective to that statement, that is about two-thirds of American credit card holders or close to half the population of the United States.  Part of protecting your credit is being vigilant and making it difficult for thieves to steal your identity. 17405556-250.jpg

If you suspect you are a victim of identity theft, an initial step is to place a fraud alert on your account. Contact one credit reporting company (Equifax, Experian or TransUnion), tell them you are an identity theft victim and ask the company to put a fraud alert on your credit file. Confirm that the company will contact the other two companies.

The initial fraud alert will make it harder for an identity thief to open accounts in your name. The alert lasts for 90-days and it can be renewed.

A more severe precaution called a credit freeze restricts access to your credit report. A credit freeze makes it more difficult for thieves to use your identity to apply for loans or credit cards in your name.

By contacting each of the three credit reporting agencies separately, you can request a temporary freeze. This would prevent them from providing credit information without both your explicit permission and a PIN that temporarily lifts the freeze.

Unlike the fraud alerts, the agencies may charge you a fee for instituting the freeze in addition to another fee to lift the freeze each time.

A credit freeze will not affect your credit score. If you are in the process of buying a home, contact your loan officer and discuss the decision you are considering. If you will be making a mortgage application in the near future, you can temporarily lift the freeze for the lender you are using.

A trusted mortgage professional is a key team member in purchasing a home. Making an appointment with them is one of the first steps along with determining your real estate professional. Contact us to get a recommendation of a trusted mortgage professional.

To request a credit freeze, you can do it online or by phone:

Equifax – 800-349-9960 | Experian – 888-397-3742 | Trans Union – 888-909-8872

For more information, see Credit Freeze FAQs at the Federal Trade Commission.

It is important to personally monitor your credit reports through annual credit report.com to discover any unusual activity.

 
Blog Archive
2017-09-18 19:00:22
Protecting Your CreditProtecting Your Credit

2017-09-11 12:13:09
Investing on Your Side of the Fence

2017-08-28 09:49:13
Your Home's Equity Could Be the Answer

2017-08-21 08:56:10
Which Value Do You Want?

2017-08-15 12:32:35
Shorter Term - More Savings

2017-08-08 10:36:28
Home Energy Aware

2017-08-01 14:57:03
Assumptions are an Alternative

2017-07-31 14:15:47
Home Safe Home

2017-07-24 15:34:43
Other People's Money for College

2017-07-12 11:52:23
Family & Friends Mortgage

2017-06-26 15:47:36
Don't Have a CLUE?

2017-06-21 15:10:06
What Can You Expect?

2017-06-19 11:00:46
Emergency Kit for the Car

2017-06-05 12:44:58
Hands-Only CPR

2017-05-29 09:26:16
Must Be This Tall to Ride

2017-05-23 12:28:02
Good Info - Good Decisions

2017-05-23 12:03:56
Reasons to Refinance

2017-05-23 11:27:10
An Alternative to Paying Tax Today

2017-05-22 14:38:05
Would-be Buyers with Student Debt

2017-05-18 13:26:06
An Alternative to Paying Tax Today

2017-05-18 12:59:37
Reasons to Refinance

2017-05-18 12:56:02
Good Info - Good Decisions

2017-05-08 10:41:10
Would-be to Should-be

2017-05-03 07:31:01
Indecision May Cost More

2017-04-09 19:51:20
Lower the Rate - Deduct the Interest

2017-04-05 17:45:27
Rentals are IDEAL

2017-03-30 13:38:28
Important Estate Documents

2017-03-27 13:09:21
Save the Cost of Mortgage Insurance

2017-03-14 13:53:56
Tax Benefits of Home Ownership

2017-03-08 17:09:16
Proof of Purchase

2017-03-06 16:30:16
Before You Pay Cash For A Home

2017-02-26 19:39:05
Six Reason to Consider Rental Homes

2017-02-26 12:47:20
Not Available for All Buyers

2017-02-21 11:44:05
Facts or Myths

2017-02-21 11:42:57
Rent or Buy - You Pay for the House You Occupy

2017-02-21 11:42:06
Attracting Buyers

2017-02-21 11:39:39
Boomers Are Staying In-Place

2017-02-06 20:54:10
Mortgage Loans from Relatives

2017-01-30 10:07:46
Proof of Purchase

2016-12-27 09:56:15
Down Payment Found

2016-12-26 08:34:39
'This is going to be the year'

2016-12-23 09:49:14
Waiting to Buy...WHY?

2016-12-22 17:19:50
What a Difference 50 years Makes

2016-12-12 10:25:48
Can 0.5% Really Equal 5%?

2016-12-07 20:07:51
Gift or Inheritance - Does It Matter?

2016-12-06 14:46:57
Time May Be Running Out

2016-11-28 19:22:53
It Isn't Final Until It's Funded

2016-11-15 12:00:30
It's the Principal of the Thing

2016-11-07 09:44:07
A Cost to Consider

2016-11-03 10:39:13
Dial Down Risk for Retirement

2016-10-10 19:59:41
When Rates Go UP

2016-10-10 12:15:40
Sale of Home by Surviving Spouse

2016-10-09 19:25:42
Rental Real Estate is Preferred Choice

2016-09-30 14:06:45
Waiting to Buy... Why?

2016-09-05 11:06:15
Getting to Value

2016-08-29 09:42:38
Pay Off Your Current Mortgage?

2016-08-22 16:55:18
Two Negotiations

2016-08-15 17:19:10
Ready for Retirement?

2016-08-12 11:32:49
Avoid Wasting Time

2016-07-31 17:36:37
Picture This!

2016-07-25 11:02:17
How Will It Feel?

2016-07-19 12:15:30
Increase the Chance of Being Accepted

2016-07-12 13:15:37
Retirement Funds for Home Purchase

2016-07-12 13:06:43
The Right Questions are Key

2016-07-11 19:04:35
Opportunity Can Disappear

2016-06-24 12:06:12
Choose a Lower Tax Rate

2016-06-13 16:10:58
Increase Your Marketability

2016-06-10 18:19:42
The Obvious Alternative Investment

2016-06-10 17:29:44
Your Tenants Will Send Your Kids to College

2016-06-06 16:29:11
If you're going to play, GET IN THE GAME

2016-05-19 15:24:45
7 Out of 50 Could Save Money

2016-05-13 12:54:40
Your home may be worth a lot more than you think

2016-05-09 23:41:11
You may never stop paying for some improvements

2016-04-25 09:23:42
Tempary Buy Down

2016-04-18 11:42:17
Tips for Buying Rentals

2016-04-04 09:23:49
Components of a Credit Score

2016-03-29 22:35:51
More Money in Your Paycheck

2016-03-21 19:25:03
Postponing a Purchase

2016-03-14 10:41:10
Worth the Effort!

2016-03-04 15:37:49
Digital Showings

2016-02-23 19:42:07
Pay Yourself First!

2016-02-17 21:03:32
It's a Big Difference

2016-02-15 10:04:00
Homeowner Advisory

2016-02-11 11:10:02
More Equity...More Options

2016-02-01 12:29:47
Is Understanding Costing You Money?

2016-01-26 22:34:40
It's Your Advantage

2016-01-26 14:54:26
What's That Smell?

2016-01-18 20:34:02
Remember to Get Your Annual Credit Report

2016-01-04 10:57:02
Early Burnout Could be Good

2015-12-28 08:26:14
Emergency Ready Kit

2015-12-21 22:00:29
Forced Savings

2015-12-15 09:54:47
More Equity...More Options

2015-12-11 22:17:34
Look at a Rental This Way

2015-11-23 08:10:07
One-button Pricing?

2015-11-16 09:53:47
Resource Central

2015-11-02 09:31:47
Discussion with your Insurance Agent

2015-10-28 14:42:26
Real Cost of Housing

2015-10-20 15:32:19
6 Reasons for Rentals

2015-10-15 17:49:41
Finding the Best Mortgage

2015-10-12 09:49:10
Your Best Investment

2015-10-08 18:26:22
The Cost of Co-Signing

2015-10-08 12:43:19
Lower the Rate & Deduct the Interest

2015-10-04 23:41:06
Finding the Best Mortgage

2015-09-23 16:43:27
Cut Mortgage Insurance

2015-09-07 13:43:48
Things That Kill Your Credit

2015-08-24 11:59:43
More Home for a Lower Cost of Housing

2015-08-17 09:38:14
Get Ready for College

2015-08-10 11:55:14
Wait a Year...It Won't Matter?

2015-08-03 10:24:53
Who is Your Champion?

2015-07-29 21:49:32
It's Hard to Imagine

2015-07-22 18:07:40
What's Stopping You?

2015-07-13 09:54:38
Build Equity Faster

2015-07-06 18:52:22
Three M's of Homeownership

2015-06-22 08:43:04
Eliminate Mortgage Insurance

2015-06-15 09:52:43
Where are the Sellers?

2015-06-08 08:02:42
Take Pictures Now

2015-06-01 07:54:53
Make Your Offer Standout

2015-05-25 11:42:43
Who would want to be without one?

2015-05-18 09:19:37
You've Got Money!

2015-05-11 12:01:28
Live the Dream

2015-05-04 08:16:39
Amortization

2015-04-27 13:25:50
Pay More or Less

2015-04-20 08:00:44
Basic Legal Documents

2015-04-15 19:21:44
Are You Ready?

2015-04-07 14:41:00
Rent Again

2015-03-30 09:35:36
Home Too Big Now?

2015-03-26 17:53:37
FHA or Conventional?

2015-03-02 08:49:17
Fast and Easy But is it Accurate?

2015-02-23 08:01:06
Home is Worth the Sacrifice

2015-02-20 14:53:17
Save on Homeowner's Insurance

2015-02-12 16:36:34
Homeowner Tax Tips

2015-02-03 10:52:29
1/2% Could Make a Big Difference

2015-01-26 13:21:31
Converting a Home to a Rental

2015-01-19 08:42:13
Get Ready to Garage Sale

2015-01-12 09:45:02
Downsizing Might Make Sense

2015-01-05 16:06:51
Reducing Interest Expense

2014-12-29 09:51:02
Homeowner Tax Benefits

2014-12-22 13:43:15
ICE Can Save Lives

2014-12-15 10:22:08
Don't Consider Appreciation or Tax Savings

2014-12-08 19:42:31
Being a Good Neighbor

2014-12-01 10:54:16
Holiday Tree Safety

2014-11-24 11:04:55
Verify with Your Lender

2014-11-17 17:20:35
Consider an Adjustable Rate

2014-11-10 19:01:13
Realize Tax Savings Sooner

2014-11-03 16:33:23
Talking Points with an Agent

2014-10-29 17:11:38
Relax...There's an Alternative

2014-10-20 12:58:43
Save Interest, Build Equity & Shorten the Term

2014-10-13 10:01:06
Enjoy Your Improvements and Profit by Them

2014-10-05 12:53:47
Opportunity Costs

2014-09-29 09:34:58
Crafting an Accecptable Offer

2014-09-21 11:48:05
Seller Safety Plan

2014-09-19 16:19:53
Annual Maintenance

2014-09-08 09:26:02
Money Down the Drain

2014-09-01 10:33:09
Cash Flow and Equity Build-up

2014-08-27 13:41:39
Which Filter to Use?

2014-08-20 10:26:12
How's Your Memory?

2014-08-11 09:53:43
Reverse Mortgage

2014-08-04 14:22:00
How Was It Measured?

2014-07-28 12:10:14
The Reason They Are Called Benifits

2014-07-21 10:46:43
Indecision Costs

2014-07-14 09:07:20
Every Renter Should Know

2014-07-07 19:37:02
Fifteen Will Get You Three

2014-06-30 21:59:19
Make Good Offers Better

2014-06-23 10:01:21
An Unexpected Expense

2014-06-16 10:01:09
What is a Seller's Market?

2014-06-09 08:34:21
Don't Leave Home Without...

2014-06-04 12:53:31
Another Source for a Down Payment

2014-05-26 08:40:18
Record Improvements Now

2014-05-19 09:59:29
Cut Your Housing Costs in Half

2014-05-12 09:13:35
Who Saves the Commission?

2014-05-05 11:26:54
Consideration could be the key to your new home

2014-04-28 09:01:19
The Question Every Cash Buyer Should Answer

2014-04-21 11:16:24
A Lower Payment is Your Choice

2014-04-14 19:56:56
An Exchange Means More to Reinvest

2014-04-07 09:06:52
Is the Window Closing?

2014-03-31 08:29:39
Looking for the Largest Deduction

2014-03-24 13:20:42
What's the Point?

2014-03-18 12:50:41
How's Your IQ on the QM?

2014-03-10 10:29:48
Every Homeowner Needs One

2014-03-02 14:20:24
Reasonable Expectations

2014-02-24 09:18:26
Making Room in Your Rooms

2014-02-17 12:07:46
Rate/Payment Relationship

2014-02-10 15:20:29
Rent or Buy - the cost is going up

2014-02-03 09:06:34
Find a Better Return

2014-01-27 09:48:39
Personal Finance Review

2014-01-20 09:30:57
Interviewing a Mover

2014-01-13 11:29:08
What Can You Expect?

2014-01-06 15:09:39
What Kind of Showing Was It?

2013-12-30 11:54:00
Can You See the Savings?

2013-12-30 11:51:41
Energy-Efficient Home Upgrades

2013-12-26 16:10:17
The Perfect Last Minute Gift

2013-12-16 10:55:17
Up to $500 for Doing Home 'Work'

2013-12-09 12:26:09
Winter Maintenance

2013-12-02 11:20:15
Motivated Sellers, Better Prices and Less Competit

2013-11-25 12:40:29
Thanksgiving is Always in Season

2013-11-18 09:57:51
Refinance to Remove a Person

2013-11-11 11:12:17
Who's Paying Your Mortgage?

2013-11-04 11:36:19
All Dollars Not Equal

2013-10-30 17:48:58
Real Estate 411

2013-10-21 10:52:56
Why Borrowers Pay Different Rates

2013-10-14 09:06:29
Lower Anxieties/Improve Marketability

2013-10-09 20:14:45
Rating Your Best Friend

2013-09-30 14:10:52
Don't Do It!

2013-09-23 08:37:44
Equity Dynamics

2013-09-16 12:17:30
Who is my agent?

2013-09-09 08:31:17
Mortgage Interest Deduction

2013-09-02 10:35:56
The Rules

2013-08-26 16:04:55
Fid the 'Right' Agent Before the 'Right' Home

2013-08-19 16:59:35
A Home is More Than an Address

2013-08-12 08:32:28
Get Regular Check-ups

2013-07-29 12:51:40
It Can't Hurt to Wait, Can It?

2013-07-22 09:43:29
If I'd Known...

2013-07-16 13:44:36
Retirement Without a Mortgage

2013-07-08 09:00:58
When Rates Go Up

2013-07-01 07:24:52
FHA & VA Assumptions

2013-06-24 08:55:50
Debt Relief = Income

2013-06-17 12:57:35
Inventory is shrinking!

2013-06-09 11:39:01
Renters Want to Buy

2013-06-03 08:33:38
What's It Worth?

2013-05-27 15:34:38
Will the 'Good Life' Be Ready When You Are?

2013-05-20 12:50:53
Breathe Easy

2013-05-13 09:20:42
Whose Commission Is It?

2013-05-05 11:35:11
'Please take our offer...'

2013-04-29 11:24:11
Cut Refinancing Expenses

2013-04-21 12:24:34
Shifting Debt to Tax Deductible

2013-04-15 13:27:47
When to Sell the Temporary Rental

2013-04-08 09:11:50
Boomerang Buyers

2013-04-01 14:19:52
Bunch Your Taxes and Save

2013-03-18 10:17:31
Maintaining Comfort

2013-03-11 18:52:08
Your Deduction...Your Choice

2013-03-04 12:35:04
Low Inventory is a Trend

2013-02-25 14:18:03
Refinancing Again

2013-02-18 18:19:16
If it Shows Better....

2013-02-11 10:05:52
More Expensive Than Expected

2013-02-05 08:02:36
Before You Leave Home...

2013-01-28 11:13:52
What's It Going to Take?

2013-01-21 13:43:18
Selecting the Right Color

2013-01-15 17:20:59
Sooner is Better than Later

2013-01-07 13:40:20
Get Your Offer Accepted

2012-12-31 12:50:18
Resolutions

2012-12-17 18:46:46
Avoiding Unexpected Expenses

2012-12-10 12:19:04
Let Your Tenants Send Your Kids to College

2012-12-03 12:48:48
FHA to Cost Borrowers More!

2012-11-26 12:29:17
Dripping Dollars

2012-11-19 17:10:54
What's the Point?

2012-11-12 11:59:00
Changing the Lock is Key

2012-11-07 14:49:46
Water Damage - Covered or Not?

2012-10-29 13:24:54
What a Deal!

2012-10-22 18:03:46
Rent or Buy?

2012-10-18 14:05:26
Contributing Factors

2012-10-08 14:54:30
Who Do You Call?

2012-10-01 12:26:44
Refinancing Too Soon?

2012-09-26 19:04:39
FHA MIP Release

2012-09-17 14:50:02
Home Safety & Security Tips

2012-09-10 13:39:43
Rates Are Down But It Costs More?

2012-09-04 10:49:13
Handling the Eyesore

2012-08-13 13:55:04
How Long Do I Have To Wait?

2012-07-04 23:01:03
Star Spangled Banner

2012-06-27 12:27:54
It’s Worth Checking Out

2012-06-27 11:23:51
Second Homes Treated Differently

2012-06-20 10:45:43
If Only I Had Bought

2012-06-11 18:09:58
Gift or Inherit

2012-06-04 21:02:54
Assumption Opportunity

2012-05-30 13:59:46
Pre-approval Gives Everyone Confidence

2012-05-28 16:10:54
Protect Yourself

2012-05-14 15:39:31
Just a Thought

2012-05-04 12:20:04
Tax Free Income

2012-04-23 10:16:37
Save Money...Be Comfortable

2012-04-16 14:34:09
Have You Backed Up Your Home!

2012-04-09 18:28:38
MID Limited per Residence

2012-04-02 22:59:25
Before you do repairs on your home

2012-03-26 12:25:37
Don't Miss the Recall

2012-03-22 08:27:09
When Mortgage Debt is Cancelled

2012-03-12 19:15:05
Another Indication

2012-03-06 10:44:44
Changes in FHA

2012-02-27 12:12:26
Fix It Anyway

2012-02-20 21:15:06
The Ideal Investment

2012-02-14 15:17:32
Great Investment

2012-02-06 20:05:32
Risk Determines Rate

2012-02-01 17:12:55
Choose Your Deductions

2012-01-31 14:53:09
In Search for an Honest Man

2012-01-31 14:51:02
Forced Savings...Really?

2011-07-12 17:44:39
FHA Gift Registry

2011-07-12 17:42:58
Mortgage Interest Deduction

2011-06-28 14:17:59
Buyers have options

2011-06-15 14:17:30
Fixed rates are at their lowest level for 2011

2011-06-09 12:23:25
Paying cash for home

2011-05-31 10:19:14
Home Inprovements.

2011-05-24 15:19:15
Uncertainty on prices

2011-05-18 17:48:45
Challenges with financing

2011-05-12 13:59:55
Incentives Offered to Attract Buyers

2011-05-12 13:58:25
Cash-In Refinance

2011-04-27 14:30:41
Housing Affordability Index expained

2011-04-20 11:37:38
Rent Vs Buy???

2011-04-11 14:34:59
Eliminate MIP

2011-04-11 12:19:49
Lower Assessments = Lower Taxes

2011-03-31 09:28:07
Home Inventory

2011-03-22 10:54:24
Military Extension is coming due

2011-03-14 15:47:30
VA Loans - Maxiums

2011-03-08 09:47:13
Everything except the down payment

2011-03-08 09:42:03
Mortgage Myths

2011-03-08 09:40:45
Predatory Lending Ahead

2011-02-16 13:14:28
Everything Except the Down Payment - 1/6/2012

2011-02-09 20:41:48
Homeownership Worth the Sacrifice

2011-01-20 11:31:48
The Difference a Day Makes

2011-01-13 13:19:59
What is Equity?

2011-01-05 16:10:08
Daddy...You're the Best!

2010-12-28 17:59:20
Tax Credit Gift Card

2010-12-21 12:50:32
Best Family Gift

2010-12-14 18:52:06
Not as flush as you think


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