Oh, you know I love to hear that, but what if you can't help them? Last week when I got this call, I was really looking forward to helping this client, but it turns out they might have needed to see a psychiatrist rather than me.
This person contacted me because they were worried about their credit and wanted to know how to improve it. They weren't looking to buy a house right now, but they said they understood that is why I do what I do and were willing to pay me to help them improve their credit. They also promised they would also send me referrals.
This was sounding better and better to me! Someone wants to pay me money to do something that I can do very easily (usually), and wanted to tell their friends about me and my real estate services? OK!
But, as I got further in to their situation, it was more they were obsessed, like some one who is anorexic and thinks they are fat. This person had and average score between the three agencies of 812. Their house paid off, and they were using less than 1% of their available $280,000 in credit. These people didn't have a credit problem, they had a credit obsession.
After looking at their situation, I told them, "You are in the top 1% of borrowers in the United States and there is nothing more you can do! I've only seen one other person with a credit score this high, so be proud of yourself and don't worry about your credit!" They still weren't convinced, but I showed them on internet where they rate. I hope they drop their obsession with credit, because it really was unhealthy! Had they had a 500 credit score and were acting like they were, then I would have completely understood, but they didn't.
If you are the person that called, I am actually going to suggest you write a book, as you may actually know more about credit than I do! Have you ever read a book about how to have a happy marriage from someone who has had 5 husbands or wives? That is about how I felt in this situation.
Todd Clark - broker
Kastings & Associates
Phone: (503)524-9494
Fax: (503)622-8739
Todd Clark (Realtor), GRI (Your Washington Co. Real Estate Expert)
Todd: the title started so well...then you find out its about improving their credit. I do hope that they will appreciate the work you provided.