Finance Blog

Stay financially savvy with the Equifax Advisor.

Sign up for our FREE Monthly Email Newsletter


Thank you for signing up for the FREE Equifax monthly newsletter

In addition to keeping in the financial know, you may be interested in checking your credit score and report.

Understand your credit. Help protect your identity.

Equifax Complete™ Premier Plan

  • Know What May Influence Your Credit Score and Be Alerted of Changes
    Credit score monitoring with custom alerts
    Important Disclosure: The Equifax credit score and 3-Bureau credit scores are based on an Equifax credit score model and are not the same scores used by 3rd parties to assess your creditworthiness.¹
  • Help Protect Your Identity
    Automatic fraud alerts encourages lenders to take extra steps to verify your identity²
  • Lock Your Credit
    The ability to lock and unlock your Equifax Credit Report³
Save 75% your first 30 days with the purchase of Equifax Complete™ Premier

$4.95 for the first 30 days, then $19.95 per month thereafter. You may cancel at any time; however, we do not provide partial month refunds.4

¹The credit scores provided under the offers described here use the Equifax Credit Score, which is a proprietary credit model developed by Equifax. The Equifax Credit Score and 3-Bureau scores are each based on the Equifax Credit Score model, but calculated using the information in your Equifax, Experian and TransUnion credit files. The Equifax Credit Score is intended for your own educational use. It is also commercially available to third parties along with numerous other credit scores and models in the marketplace. Please keep in mind third parties are likely to use a different score when evaluating your creditworthiness. Also, third parties will take into consideration items other than your credit score or information found in your credit file, such as your income.

²The Automatic Fraud Alert feature is made available to consumers by Equifax Information Services LLC and fulfilled on its behalf by Equifax Consumer Services LLC.

³Equifax Credit Report Control™ is only available while you have a current subscription to Equifax Complete Premier. Locking your credit file with Equifax Credit Report Control will prevent access to your Equifax credit file by certain third parties, such as credit grantors or other companies and agencies. Credit Report Control will not prevent access to your credit file at any other credit reporting agency, and will not prevent access to your Equifax credit file by companies like Equifax Personal Solutions which provide you with access to your credit report or credit score or monitor your credit file; Federal, state and local government agencies; companies reviewing your application for employment; companies that have a current account or relationship with you, and collection agencies acting on behalf of those whom you owe; for fraud detection and prevention purposes; and companies that wish to make pre-approved offers of credit or insurance to you. To opt out of such pre-approved offers, visit www.optoutprescreen.com/.

4We will require you to provide your payment information when you sign up and we will immediately charge your card $4.95. After that, we will charge the card $19.95 for each month you continue your subscription. You may cancel at any time; however, we do not provide partial month refunds.

Equifax® is a registered trademark and Equifax Complete™ Premier is a trademark of Equifax, Inc. © 2014, Equifax Inc., Atlanta, Georgia. All rights reserved.

Spring Real Estate Market: Preparing Your House For Sale

Written by Ilyce Glink on March 4, 2011 in Real Estate  |   2 comments

Spring Real Estate Market: Preparing Your House For Sale By Ilyce R. Glink I know it’s a tough home selling market out there. In many parts of the country, home sales have dropped to levels last seen a decade ago. That means there are going…

Spring Real Estate Market: Preparing Your House For Sale
By Ilyce R. Glink

I know it’s a tough home selling market out there. In many parts of the country, home sales have dropped to levels last seen a decade ago.

That means there are going to be more homes on the market, and fierce competition to attract buyers.

If you’re having trouble selling your home, or if you’re hoping to have an easier time of it, be sure to follow these tips to prepare your home for sale:

  1. Be realistic about the market. Find out what’s selling, and what the average number of days on the market is for homes that are selling. Accept the reality of your local market and make sure you price your home realistically. The worst thing you can do is overprice your home.
  2. Get your home into selling shape. Cleaning your home and cleaning out your home is a must. (And, I’m talking REALLY clean, like “mother-in-law coming to spend a week with you” clean!) Fix things that don’t work, touch up the paint around the home, and clean or replace the carpets. Update your landscaping, and paint, clean and tuckpoint your home’s exterior. Clean out the clutter in your home. Get rid of items in closets, storage areas, basements and attics that you no longer need or use. An uncluttered home will sell faster than a home stuffed with personal belongings. Video: Staging your Home before Selling
  3. Invite at least three agents to create a comparative marketing analysis (CMA). A CMA should include local housing sales data (with comparable property sales data highlighted, a marketing plan, and a suggested list price.) Each agent will bring different ideas on how to value your home and how to market it.
  4. Understand what it will take to sell your home and how long it might take. If you live in an area littered with foreclosures, you may have to meet a very low price point to sell the home. You might not want to sell at that price and may be better off staying put. If that’s the case, consider renting your home or looking into a lease with an option to buy.
  5. Know where you’re going. I don’t recommend putting in an offer on another house until you have some serious interest in your current property. It’s just too dangerous (not to mention expensive) to finance two homes at the same time unless you’ve got a ton of cash just sitting around earning nothing in a bank account. It’s fine to start researching other neighborhoods, but don’t close on the sale of another home until you have the money in hand from the sale of your home.
  6. Read all documents thoroughly before you sign them. Take the time to read and understand the listing contract, offer to purchase, and the settlement documents before you sign them. If your home is worth less than the mortgage amount, you might be doing a short sale, which brings a whole other level of complexity to the process. If you are facing a short sale, and you can’t make up the difference from your savings, you’ll need to understand the timing of the negotiation with the lender and the buyer and the financial risks you may face after the short sale.
  7. Don’t be driven by greed. One big mistake sellers often make is to get a little greedy, particularly if the first offer is above the minimum acceptable price you’ve set for the sale. (The minimum acceptable price is the amount of cash you’d be willing to take and walk away from your home, no matter where you’ve listed the home.) Then, the negotiation becomes a game of how much you can get.
  8. Keep in mind the real estate broker’s axiom: “The first offer is always the best offer.” While that saying may not always be true, it is true more often than not and you might be much better off with that first offer than another offer six months later. Just keep this in mind and negotiate fairly with the very first offer you get for the property.


Ilyce Glink is a best-selling author, real estate columnist, and web series host. She is the managing editor of the Equifax Finance Blog and CEO of Think Glink Media. Follow her on Twitter: @Glink


Want to Buy a New House? Beware Developers Hawking Empty Subdivisions
Is It Worth It to Appeal Your Property Taxes?
Should I Refinance Now?
Renting vs. Owning Property: How to Make the Call?

The information contained in this blog post is designed to generally educate and inform visitors to the Equifax Finance Blog. The blog posts do not give, and should not be assumed to provide, personalized tax, investment, real estate, legal, retirement, credit, personal financial, or other professional advice. Before making any financial decision, you should always consult with the appropriate professionals who can explain your options, rights, and legal responsibilities, and advise you on any tax, legal, credit, or business implications that may result from those decisions. The views and opinions expressed by the authors of blog posts are their own views and may not be the views or opinions of Equifax, Inc. and/or its affiliates.


  1. David says:

    You always speak of having a Realtor price the house for listing. Give good advise to sellers,have a certified appraiser give a fair market value prior to listing the property,for in the end,that is what the buyer's bank will do,and if the appraised value is below the realtor's recommended price and or contract price,the situation becomes more nerve wracking for both parties,for the bank will not lend and the deal will be terminated or renogotiated. Much time lost or wasted.

  2. Equifax Personal Finance Blog says:

    @David – Thanks for reading and commenting. An appraiser can help make sure your home is listed for the correct price. A real estate agent will also be able to help you price your home appropriately for your neighborhood and the market. It's a tough real estate market out there and experienced professionals can help you be more competitive and get your house sold.

Leave a Comment

Name :

Commenting guidelines

We welcome your interest and participation on this forum, but be aware that comments will be published at Equifax's sole discretion. Please don't use this blog to submit questions or concerns about your Equifax credit report or raise customer service issues. Instead, you should contact Equifax directly for all such matters and any attempts to do so in this forum will be promptly re-directed.

Some other factors to consider when commenting:
  1. Registration and privacy. While no registration is required to visit our forum, participants wishing to post a message must register by creating an account. All personal information provided by forum members incident to registration is governed by our Terms of Use and Privacy Policy.
  2. All comments are anonymous. We'll delete your name, e-mail address, and any other identifying information, including details about your investments.
  3. We can't post or respond to every comment - As much as we'd like to, we can't post every comment, nor can we guarantee that we will respond to each individual message. All questions or comments about your Equifax credit report or similar customer service issues should be handled by contacting Equifax directly.
  4. Don't offer specific legal, tax or financial advice. All of the materials on this Site are for information, education, and noncommercial purposes only and this forum is not intended as a means of expressing views or ideas regarding any specific legal, tax, or investment advice. While offering general rules of thumb is both permitted and encouraged, recommending specific ideas or strategies regarding investments, taxes, and related matters is prohibited.
  5. Credit Repair. This blog is not intended as a venue for the discussion or exchange of ideas regarding credit repair or other strategies intended to assist visitors and community members improve or otherwise modify their credit histories, ratings or scores.
  6. Stay on topic. Your comment should be concise and pertain to the specific post in question.
  7. Be respectful of the community. The use of profanity, offensive language, spam, and personal attacks will not be tolerated and egregious or repeat offenders will be banned from future participation. We encourage disagreement and healthy debate, but please refrain from personal attacks on our WordPresss and contributors.
  8. Finally: Participation in this forum may be terminated by Equifax immediately and without notice for failure to comply with any guidelines or Terms of Use. As such, you should familiarize yourself with all pertinent requirements prior to submitting any response through the blog or otherwise. All opinions expressed in this forum are solely those of the individual submitting the comment, and don't necessarily represent the views of Equifax or its management.

Equifax maintains this interactive forum for education and information purposes in order to allow individuals to share their relevant knowledge and opinions with other members and visitors. We encourage you to participate in discussions about personal finance issues and other topics of interest to this community, but please read our commenting guidelines first. Equifax reserves the right to monitor postings to the forum and comments will be published at our discretion. Do you have questions or comments about your Equifax credit report or customer-service issues regarding an Equifax product? If so, please contact Equifax directly. All opinions and information expressed or shared in blog comments are solely those of the person submitting the comments, and don't necessarily represent the views of Equifax or its management.

Real Estate Archive