Marianna Grafel , ABR, CRS, GRI, e-PRO,OPHP,HHS
Your Trusted Partner in Real Estate    
Marianna  Grafel
 
Marianna  Grafel

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Marianna, your quality as a realtor is priceless.  Thank you.

Thimothy and Janet Bowman, Beavercreek 2006


   Please contact me at (937)231-6665  or  

    mailto:Grafel@DaytonEstate.com

                Thank you, Marianna

    

 


News About FICO Scoring System



Daily Real Estate News  |  January 30, 2008
 
FICO Scoring System Gets Redesign
Fair Isaac Corp., the company that devised the ubiquitous FICO credit scores, announced this week that it plans to roll out a suite of tools designed to predict future default risk.

Fair Isaac says the new products will predict how lenders can offer even more debt to consumers without taking on undue risk.

The update revamps the old credit-scoring formula so that it penalizes consumers with a high debt load more than the earlier version. FICO 08 should increase predictive strength by 5 to 15 percent, according to Fair Isaac's vice president of scoring, Tom Quinn.

FICO 08 is also expected to do a better job of determining which consumers with past defaults are "more on the road to recovery and should have more of a higher score," Quinn says.

The new index can look at three consumers with a 700 FICO score and determine which of the three could take on additional debt without defaulting, according to the company.

Source: Star-Tribune, Kara McGuire (01/22/08)

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Please call  us at 800-503-4837 ext. 937 or email us to find more about these events.


My Promise to my Clients:


 
- To be with my client trustworthily and honest.

- To keep my promises.

- To keep in mind my client’s best interest.

- To offered my clients all of the products and services they need.

- To communicate effectively and frequently.

- To respect my clients time.

- To well manage all showing process and to deliver feed back.

- To work exclusively with a very limited number of clients in the same time to provide better result for them. Marianna Grafel, Your Dayton  Area Real Estate Specialist   

 

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