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Columbia Missouri Real Estate ~ Our Prudential Agents
Visit my web site! www.RandiBishop.net
Randi Bishop, REALTOR®, ABR, GRI
Randi Bishop specializes in Residential Real Estate and Relocation. "I have built my reputation on listening to my clients and working for their best interests in all transactions."
Randi is an Accredited Buyers Representative (ABR) and a Graduate of the Realtor Institute (GRI). She is President 2005 of the Women's Council of Realtors, Columbia Chapter, and a full-time Realtor licensed under the Missouri Real Estate Commission. Randi has won numerous awards including the prestigious Brady Stevens Award given by the Missouri Association of Realtors in 2004 to the Outstanding Graduate of the Realtor Institute. She is a past Director of the Board of Directors of the Columbia Board of Realtors.
Prior to becoming a Realtor, Randi owned her own Marketing and Public Relations company in Boston, MA. She has always worked with the public and enjoys Real Estate because it affords her an opportunity to put her skills to work for her clients whether they are buying or selling. She is also Columbia's #1 Power Agent!
Office Phone: (573) 449-6200
Mobile/Cell Phone: (573) 808-5215
Fax: (573) 449-6202
Email: randi@prudentialvision.com
Web Site: www.randibishop.net
US Mail & Office Location:
103B Corporate Lake Place
Columbia, MO 65203
Driving directions to the office:
- In Columbia, MO, take Providence south to Corporate Lake Drive
- Turn right onto Corporate Lake Drive
- Turn right onto Commercial
- We're on the right, behind Columbia Performing Arts Center
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Credit Report Errors
Here are our suggestions on dealing with credit report problems:
- Be proactive: Write a concise letter to the lender explaining why flaws are on your credit report. For example, maybe you were late on some of your loan payments once because you were out of the country and didn't get your bills processed in time.
- Shop around for understanding and flexible lenders: You may enlist the services of a mortgage broker, who is accustomed to dealing with loan problems. Some lenders are more sympathetic to the fact that you're human and have sometimes erred.
- Look to the property seller for a loan: Property sellers who are interested in playing lender can also be flexible. Those who check your credit report may be more willing than banks and other mortgage lenders to forgive past problems, especially if you're financially healthy and strong today.
- Fight and correct errors: Credit reporting agencies and creditors who report information to the agencies make mistakes. Start by identifying the erroneous information on your credit report.
If the bad data is for one of your accounts but a creditor (for example, First Usury Bank, from which you obtained an auto loan) has made an error, you'll likely have to contact such creditors until they instruct the credit bureau to fix the mistake. By law, the credit bureaus are supposed to respond to your inquiry within 30 days. Your best strategy is to have the disparaging information removed from your credit report.
- Get a cosigner: As we suggest earlier, a cosigner, such as a relative, can also help to deal with credit problems.
- Save more and build a better track record: If you can continue to rent, buying yourself some more time may do the trick. Spend a couple of years saving more money and keeping a clean credit record.
If you're having problems getting approved, sit down with your loan officer and make a list of the items that you must rectify to get an approval. In this way you'll have a checklist of what you need to correct.
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