Chesapeake Bay Real Estate Blog

This blog is dedicated to the real estate market on the Eastern Shore of Maryland and the surrounding Chesapeake Bay region. We are here to let you know about ourselves, our services real estate listings, and why we love helping people achieve their real estate goals. Real estate isn’t just about selling or buying houses; it’s about people and their families. That is why we do our best to make a difference in each person’s move.

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Location: Easton, Oxford, St Michaels, Cambridge, Queen Anne's, Kent, Eastern Shore of Maryland

While Penny was raising their four children, Bob worked in the corporate world for 20 years and became President and CEO of a major, publicly held, transportation company. Afterwards, we decided to leave the hustle and bustle of New Jersey and move to Vermont where we became entrepreneurs in a successful small business. We established an apple orchard, a vegetable farm, a popular country store as well as a multi state mail order operation. Fifteen years later, we “retired” to Florida, where we spent eight years as full time real estate agents. After deciding to be closer to our family, we moved to the Eastern Shore, to continue serving homebuyers and sellers as associates with RE/MAX On The Bay serving Talbot, Dorchester, Kent, Queen Anne’s and Caroline Counties. Our business experience helped us to develop extensive sales programs using leading edge technology such as websites, e-mail systems, digital photography, virtual tours, and multi-media presentations. Our customers and clients benefit directly from these advanced marketing tools because The Halls can offer unparalleled exposure and attractive promotions for the home seller as well as fulfilling the needs of home buyers

Tuesday, March 07, 2006

FREE Credit Report

Don’t believe the so called free credit report ads on TV. The want your credit card number before sending you their “free report.” Then you discover that you have signed up for monthly reports that will cost you a lot of $$$$$$.

Did you know that you can get your credit report for free. Under the new Fair Credit Reporting Act, each of the nationwide consumer reporting companies is required
to provide you with a free copy of your credit report, at your request, once every 12 months.

The three nationwide consumer reporting companies — Equifax, Experian, and
Trans Union have set up a cooperative reporting center to manage credit report
requests nation wide. You can obtain your annual free credit report from a central location, by going to their website, calling the toll free number or writing direct.

Telephone: 877-322-8228
Address: PO Box 105281, Atlanta, Georgia 30348

You may order your reports from each of the three nationwide consumer
reporting companies at the same time, or you can order from only one or two.

If you are asked if you want a copy of your CREDIT SCORE (FICO), you
should understand that this particular information is not free. There is a charge of $9 to $15 for each request.

To obtain a credit report you need to provide your name, address, Social Security number and date of birth. If you have moved in the last two years, you may have to provide your previous address. To maintain the security of your file, the consumer reporting company may ask you the amount of your monthly mortgage payment or for different private information is the only authorized source for your free credit report.
The nationwide consumer reporting companies will not send you an email or a letter asking for your personal information. If you get an email or see a pop-up ad on your computer claiming it’s from any of the three nationwide consumer reporting companies, do not reply or click on any link in the message — it’s probably a scam.


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