Posted on: November 25, 2022 Posted by: rnelson Comments: 0

What Is a Credit Score?


credit score is a number that evaluates and rates your creditworthiness based on your credit history. Lenders use credit scores to decide whether to approve someone for a loan or credit card, and to determine what interest rate to charge.

Key Takeaways

  • Your credit score is a three-digit number calculated from the information contained in your credit report.
  • Most scores range from about 350 to 800, and a score over 670 is usually considered “good,” if not excellent.
  • Most credit scores are calculated by FICO and VantageScore.
  • A higher score means greater borrowing power and results in better interest rates.


Understanding your credit

Your credit score and history play a prominent role in determining your eligibility for a mortgage. As such, it’s vital you recognize the value of having strong credit when buying a home.

When you build and maintain strong credit, mortgage lenders have greater confidence when qualifying you for a mortgage because they see that you’ve paid back your loans as agreed and used your credit wisely. Strong credit also means your lender is more apt to approve you for a mortgage that has more favorable terms and a lower interest rate.

Many people use the terms credit score and credit report interchangeably, but they’re not the same. Your credit score estimates your creditworthiness with a single numerical value. Your credit report shows more specific information related to your credit accounts — including your payment history — to show how well you repay your debt and manage your credit. Let us help you understand each a bit better. READ MORE

Credit Repair: How to “Fix” Your Credit Yourself

There’s nothing a credit repair service can legally do for you—even removing wrong information—that you can’t do for yourself for little or no expense. And the cost of hiring such a company can be considerable, ranging from hundreds to thousands of dollars.

While it can be tempting to offload the work of fixing your credit to a credit repair company, it’s important to know what they can and can’t do—and to take steps on your own first before you consider shelling out cash to pay their fees.

What Is the Credit Repair Organizations Act?

Credit repair companies dispute negative information found on your credit reports. But in the past, some of these companies would overstate what they could do for consumers to drum up business.


Ralene Nelson, REALTOR®

689 Waterwood Dr, Rio Vista

2 bed/2 bath/1,837sqft/5,436sqft lot

689 Waterwood Dr, Rio Vista

$585,000 – Breathtaking views as you step into this beautiful home, located on the 11th green & pond. Popular Reflect model with quartz counters, white cabinets, 5 burner gas stove top & refrigerator are included. Tile floors with carpet in bedrooms. A double-sided gas fireplace makes for a cozy den & living room. The primary bath has double sinks with a walk-in shower with w/bench seating. Shutters throughout the home. Walk out either slider onto the covered patio that is the full length of the home. Small piece of turf for your pet, low maintenance landscape (front & back) & fenced. The backyard is lovely & a great place for a BBQ. Washer/dryer are included & there’s a laundry tub in the garage. Prepaid solar lease, transferrable to the buyer for the remaining years of the lease. Just bring your furniture and enjoy all the amenities, such as 2 swimming pools/spas, bocce ball courts, tennis & pickle ball courts, horseshoes, billiards, a library, a computer room, etc. So many activities to enjoy, you can be as busy as you want or idle. There is a club for just about all your hobbies. READ MORE

PENDING SALE – 404 Riverwood Ln. Rio Vista,

$445,000 – Big Sur model & no rear neighbors!! Located in the Active Adult Community, Trilogy. Relax in this lovely backyard & watch the wild life. 2 bedrooms/2 full baths and den with double doors. Both master bedroom and den have bay windows that provides a more open feeling. Master bath has walk in shower & closet, double sinks, white tile counters, Dark kitchen cabinets, Corian counters w/tile backsplash, black appliances & tile floor. Stove is electric, however, is plumbed for natural gas. The dining area overlooks the backyard. Patio with all weather cover, great for BBQ in the rain. Garage has storage cabinets. Just bring your furniture and enjoy the activities, tennis, bocce, new gym, 2 pools & spas. READ MORE

FOR SALE – 295 Sage Meadows Dr. Rio Vista
3bed/3.5bath/2,367sqft/6,669sqft lot

$559,000 – Calistoga model, with private courtyard, located on a corner lot. New interior paint (including garage) & tile/grout cleaned, gives this home a fresh look. Island kitchen with granite tile, black appliances, w/5 burner gas stove top & maple cabinets. Open floor plan makes this a great home for entertaining & the fireplace makes it cozy. Large master bedroom has bay window, upgraded tile in bath (walk in shower & tub). Den has been enclosed as well as another room, so this could be 4 bedrooms. One can be your den, other can be your craft/sewing room. 2nd bedroom has full bath, with courtyard entrance. Laundry room has sink, cabinets & folding space. Full patio & fencing secures this backyard for your family pet. Trilogy offers many amenities, from tennis, bocce, billards, pickle ball, golf, 2 pools & spas and even playground for grandchildren. Just bring your furniture & make new friends.READ MORE

FOR SALE – 718 Allender Wy. Rio Vista
3 bd/2 bth/1346sf

$539,999 – Gorgeous home, shows pride of ownership, and has been renovated since purchased. 3 bedrooms & 2 baths with all new flooring/baseboards, interior paint, light fixtures, etc. The kitchen has newly painted cabinets with quartz countertops with an island. Auxillary electric heaters in 3rd bedroom & living room. Whole house water filter with under-the-sink reverse osmosis. The front yard has been totally relandscaped with a new walkway to the front door, with drought-resistant landscaping, a drip system & timer. The driveway extended as well as the sidewalk to the backyard. The backyard has a sprinkler system as well as a patio. Just bring your furniture and enjoy!! Rio Vista is a quaint town located on the Sacramento River, close to SF, Sacramento & bay area. READ MORE

FOR SALE – 1536 Michigan St. Fairfield
3 bed/2 bath/1,260sqft/4,792sqft lot

$475,000 – This is a great starter or retirement home, close to shopping, Hwy 80 & Amtrack & perfect home for a commuter. This 3 bedroom & 2 bath home has new interior paint, carpets, laminate flooring, light fixtures, dual pane windows, tankless water heater & newer roof & air condenser. Master bath has new vanity & flooring. Kitchen has new flooring, appliances, stainless sink, painted cabinets, & resurfaced counter tops. Home has a large family room, perfect for entertaining. Patio is the length of home. Although 1 car garage, home has carport for at least 2 cars & RV parking on side. Larger lot & drought resistant front yard & shed. Just bring your furniture, home is move in ready. READ MORE

Events in Northern California this Weekend

Vienna Boys Choir, Berkeley

Sat, Nov 26, 2:00 – 11:59 PM
Cal Performances, 101 Zellerbach Hall, Berkeley, CA

The Vienna Boys Choir visits Berkeley on Thanksgiving weekend, their voices raised in a program of Austrian folk songs, classical masterpieces, and Christmas hymns and carols from across the globe. The trained singers are the living bearers of an august six-century Viennese choral tradition. READ MORE

Give Thanks Festival –  Sacramento, Saturday Only
Sat, Nov 26, 12 PM
The Railyards, 5th St and Railyards Blvd, Sacramento

Artists; Above & Beyond
Tickets →
18+ to enter / Full Bar for 21+
Massive Stage Production
VIP for 21+
Doors: 6PM

No dress code / please dress weather appropriate! MORE INFO

FREE Kids Holiday Cards & Crafts Class, Lodi
Sat, Nov 26, 1 – 3 PM
Lodi Community Art Center, 110 W Pine St, Lodi, CA

  • Saturday, November 26, 2022
  • 1:00 PM  3:00 PM
  • Lodi Community Art Center110 West Pine StreetLodi, CA, 95240United States (map)


The Primitive Barns Visit With Santa
Sat, Nov 26, 11 AM – 3 PM
The Primitive Barn, 19076 State Rte 26 #2, Linden, CA

Santa is coming to Linden for a special visit!

Take your own pictures with Santa at The Primitive Barn on three different dates:
Saturday, November 26th, 11 to 3
Saturday, December 10th, 11 to 3
Saturday, December 17th, 11 to 3

Mark your calendar’s as he will only be here on these three dates and times. You DO NOT want to miss this years visit. FREE admission and parking. We only ask for a donation to help with reindeer feed.

The Primitive Barn ( New Location )19783 Hwy 26 Linden, Ca. 95236 – Entrance is on Wall Rd

Come out and support this cute antique shop and get all of your Holiday shopping done early. Cute treasures and lots of antique finds for your classic friends and family who love special home decor. READ MORE

Sacramento RiverTrain — Ronnie’s Awesome List
Nov 25, 1 PM – Dec 23, 7 PM
Sacramento River Train, 400 Harbor Blvd, West Sacramento, CA

Jingle All the Way!

Step aboard the Magical Christmas Train and be transported to an enchanting winter wonderland! Find magic in memories that will last a lifetime with a holiday tradition that is fun for the whole family. READ MORE

Leave a Comment

This site uses Akismet to reduce spam. Learn how your comment data is processed.