How to settle a collection account: Part 3 of a 3 part series   In Part 1, we validated the debt.  In part 2 we responded to creditors validation.  Now for part 3. For part 3 I'm going to assume enough time has passed for the collection companies to receive your response letter (you should know they received it - remember certified mail!).  For the companies that failed to respond to your validation, you want to write to the 3 credit bureaus by certified mail.  You will want to include a copy (keep your original) of your validation letter and proof of delivery.  Also include a copy of your response letter and proof of that delivery.  Make a request that they delete it in accordance with the FCRA (Federal Credit Reporting Act).  If the collection company responded to your validation, now... 08/21/2009

Credit Repair in Manchester, CT   National Credit Fixers: 330 Roberts Street 4th Floor East Hartford CT 06108 phone: 860-282-6181. National Credit Fixers boasts of 13 years experience repairing low FICO scores. Whether your credit has been damaged by a foreclosure, bankruptcy, slow credit, collections, judgments, repossessions, etc. we can help. We are the experts in credit restoration and credit repair. We have helped numerous residents of Manchester and are experts in  Manchester credit repair. Frustrated with bad credit?  Call National Credit Fixers today and let us do the leg work for you!  We not only work to remove bad credit but you build good, positive credit!  So don't wait any longer!  We're the BEST!  :)MattToll Free: 888-NCFIXER (623-4937)Toll Free Fax: 888-FAX-4020 (329-402... 07/29/2009

Do you list rentals?  I usually do not.  We have a family friend that I help out with the renting of his property.  I have to believe that most people are honest, hard working and trying to find a home for their family.  When they move in, all seems fine.  Granted, sometimes it is. The rental that I have listed is a Duplex, two family.  One side is presently rented with good tenants.  The other side is now vacant.  In the last week, I have had to hire Servpro, for my client.  They had to empty the basement and clean out the unit of leftover junk and trash. Then, a local cleaning company, who spent ten hours cleaning everything else in the unit, including the walls.  A pest company to treat the entire house, both units.  Just to be sure.  The mail delivery was never forwarded.  Huge pile... 07/13/2009

 Understanding FICO 08 On January 29, 2009 TransUnion rolled out and made available the credit-scoring model called FICO 08. This is the newest version of the FICO® credit score, which is simply a redevelopment of their widely used industry standard classic score. The long awaited release of this model is good news for lenders, low risk borrowers, and those with low credit card balances. It's bad news for piggybackers, companies that sell piggybacking services, consumes with a lot of credit card debt, and the flop of the century, so far, in the credit scoring world known as VantageScore. FICO 08 will eventually be the industry standard credit score despite not being available yet from Equifax or Experian. We should see FICO 08 at Equifax before the fall and at Experian as soon as they s... 05/01/2009

National Credit Fixers: 330 Roberts Street 4th Floor East Hartford CT 06108 phone: 860-282-6181 www.nationalcreditfixers.com National Credit Fixers boasts of 12 years experience repairing low FICO scores. Whether your credit has been damaged by a foreclosure, bankruptcy, slow credit, collections, judgments, repossessions, etc. we can help. We are the experts in credit restoration and credit repair. We have helped numerous residents in Manchester Connecticut repair and restore their good credit standings. We have corrected and or deleted every type of credit account. When you want your credit score improved in a timely and efficient manner call National Credit Fixers at 860-282-6181.   Average FICO score increase in 6 months: 50 points   Score increase in 35 days 10 points or more 93% 20... 02/16/2009

I spoke to a couple that told me about a agent who stated he would find the "exact" perfect home they were looking for  - the impossible Dream. Buying a new home is about decision making. If you are looking now or in the future, now is the time to start. You make the best decisions when all the best information is available. My experience and knowledge will help you find and interpret this information to find the "Right" Home. No one has the Right home in their pocket. Work is the only way to find that home you are looking for. I focus in helping home buyers make the most informed decisions they can: based on location, the market, financing options, the condition of a home and its true price at times different from its sale price. I explain what "extras" we should negotiate for, which s... 11/15/2008

Today was our Painting Workshop in Manchester, Connecticut.  From time to time, I host different events and workshops for my clients, family and friends to offer them useful information and tips. Here we are, getting the newest product offering!  Diamond Paint!  It reflects light instead of absorbing it!  Pretty cool, right?  This means, that if you have a dark room or hallway, by using this paint on the walls, it would brighten it up. Christine Russo, the Manager of ICI PAINTS in Manchester, Connecticut, is pointing to the display block in the photo, to the left.  The bottles were my Americola Handouts left over from Election Day.  Just wanted to make sure you knew what they represented.  Some of our door prizes were displayed on that table, and others were displayed on the counter. He... 11/08/2008

Fran is at it again!  Hosting a painting/wallpaper informational workshop at ICI Paint Store in Manchester, Ct, this Saturday morning.  The Manager, Christine Russo, has been preparing for this event for weeks.  We had held this two years ago and it was a huge success.  Learning about the new products that have come on the market, to make decorating your home, easier and fun, with quality products.  Which colors are popular and which ones will work in your home are discussed.  Jot down your questions, a professional will be available for private consultation, free. There will be door prizes and discounts offered on some of the painting products.  Refreshments will be served, so, we are requesting everyone to RSVP.  These events are held for Fran Rokicki Realty, LLC Clients and Friends. ... 11/06/2008

Halloween Happenings is a Safe Trick-or-Treating event for children from Manchester and surrounding towns.  It is scheduled for October 25th and will happen rain or shine (except for the chalk drawing and parade).  Dress up in your favorite costume and check out all the fun activities planned for the day. So what fun events are planned for the day? 10:30 to 11:30am - A "Spook-tacular" Magic show featuring magician Dan Bowen.  The show will be held in the Howroyd Room of the Mary Cheney Library. 11:30 to 1:30pm - Chalk The Walk at Center Park.  The Manchester Arts Commission is inviting everyone, children and adults alike to draw fall themed chalk drawings on the sidewalks of Center Park.  If you attended the Magic Show, the park is right next door.  They will be providing chalk, live mu... 10/22/2008

21c Esquire Drive Manchester, CT 06042 Rarely Available Northfield Green Ranch For Sale Home Complete Details Photo Gallery Virtual Tour Property Map Financing Request Showing Contact Me Brian Burke ABR, Realtor Mobile:860-798-3272 Website:Visit Website Price : $154,900 Bedrooms : 2 Bathrooms : 1 Square Foot : 952 County : Hartford Property Type : Condo or Townhouse Year Built : 1973 click for more pictures Property Description Quite and peaceful Ranch available in Northfield Green. End unit backs to woods includes NEWER: carpet, central air, paint, faucets, closet doors, door knobs, hardware, and replacement windows. FIRST FLOOR LAUNDRY. Pool, tennis court, car port, basketball court, clubhouse, swingsets, and extra storage also available. Equal Housing Opportunity. Coldwell Banker Re... 10/12/2008

33 Hyde Street Manchester, CT 06040 Immaculate Cape Cod Home Complete Details Photo Gallery Virtual Tour Property Map Financing Request Showing Contact Me Brian Burke ABR, Realtor Mobile:860-798-3272 Website:Visit Website Price : $174,900 Bedrooms : 3 Bathrooms : 1 Square Foot : 1,207 County : Hartford Property Type : Detached Year Built : 1943 MLS Number : g509674 click for more pictures Property Description Immaculate 3 bedroom Cape FOR SALE in great neighborhood. Home offers newer windows, hardwood floors, updated bathroom, central air, enclosed porch, deck, Jacuzzi, shed, fenced yard, crown molding, level yard gas heat. Truly a nice home to show! Equal Housing Opportunity. Coldwell Banker Residential Brokerage : 481 Buckland Rd. - South Windsor CT 06074 : 860-798-3272 10/12/2008

Northwest Park in Manchester Connnecticut was where this year's Manchester Relay for Life was held.  Northwest Park is a hidden gem in Manchester.  Located on Tolland Turnpike, it is the home to the Manchester Silkworms, a boundless playground, and the Children's Butterfly Garden.  There is also a great pavillion to rent for your next outside activity.  Manchester's Relay for Life was held on June 6-7, where many teams walked during the 24 hour event.  Many schools in district as well as individual teams, like mine walked and raised money for the American Cancer Society.  This event happened because of the many dedicated volunteers.  06/16/2008

June 6-7th was Manchester Connecticut's Relay for Life.  This was a very special and hard relay for me and my family.   Our team HADDUDES would be walking in memory of my son Jonathan who died in November from leukemia at the age of 21.  It was a very inspiring event thanks to the many family members, his friends, and my collegues who supported our team.  We had over 50 membersa and Jonathan had over 130 luminaries on the course in his memory.  People told me that they have never had so many luminaries for one person in the 6th years that the Relay has been held in Manchester.  It was a cold day for June but I was constantly warmed by his many friends that came by to walk.  My 2 sisters, my son, and I even took a tethered hot air balloon ride!  I know that he was smiling ear to ear at ... 06/16/2008

Even though it is being celebrated almost a week early this year, folks are hustling about to pick up their picnic/cookout items for the holiday.  2008 Memorial Day.  I don't know the reason for the change of the actual date of the holiday, but, it has been moved to this Monday.  The weather is sunny and warm and it is to continue being so for the weekend.  I had to run into Sam's Club this morning, in between appointments, and I was amazed at the number of people who were there.  I don't think anyone from my area is going away this weekend!  Carriages were overflowing with hot dogs and hamburgers, rolls, salads, paper plates, and cupcakes that looked very patriotic(and yummy).  As I was walking to my vehicle, I saw an older man coming towards me.  He was going out of his way to bring a... 05/24/2008

I am excited and pleased to announce that Stephanie A. Knybel has joined my office.  She is a lifelong resident of Manchester and very active in her community.  She has been trained by Buffini and Company, having completed the 100 Days of Greatness Course.  Currently, she is a Buffini Clubnet Member and happy to be serving her neighbors, associates and friends with any of their real estate needs.                                                                        Stephanie A. Knybel, Realtor~Clubnet MemberFran Rokicki Realty,LLCShe is licensed in Ct. You may contact her by email, salkwow@yahoo.com or give her a call, 860-646-3455, our office or on her cell, 860-543-5448You may send her a note, Clubnet folks will like that!  How many notes have your written today?c/o Fran Rokicki Real... 04/12/2008

This is how I end my day of selling homes.  I drive up this lovely street and enjoy the colorful beauty that fall offers!  In the summer months, you can actually feel the air getting cool as you drive up the mountain.  In the winter, it looks like a Currier & Ives Christmas card.  The left side of this road is town-owned, watershed property.  There are a few homes at the bottom and only one on the top left.  You do have to be careful, we do have families of deer crossing ever so often.  Other than the view of the ocean, I love to see this beauty of a show from nature.  11/07/2007

What a beautiful day we had today! Crisp and cool, yet, if you were in the sun, it was a perfect day. My Daugher and Daughter-in-Law joined me on our walk. It started a bit after ten this morning.  It was held at Northwest Park in Manchester. The route was marked with small signs that had information about saving babies and all the fine things that the March of Dimes does for children and their families.  We were given shirts, water, bread, candy, coffee, and donut holes (from Dunkin Donuts, yummy!).  There was a DJ from the River radio station, too. We talked with some old friends and made a few new ones. Two dogs attended, a black lab (not my Jack)and a cross dalmatian/beagle. They seemed to love walking, too. After the walk, they served hot soup, bread from a local bakery (Harvest Br... 10/14/2007

IN MANCHESTER, CONNECTICUT, on Thanksgiving Day, a route is marked through town, starting on Main Street. Over 60,000 people participate.  This number grows every year.  Runners, walkers, wheelchairs, you name it, everyone loves this road race.  We fondly call it the Turkey Race, since it is held on Thanksgiving Morning. Officially, it is the Manchester Road Race.  There are some teams, mostly locals, but, runners come from throughout the world.  I remember runners from Ireland, Africa and Indonesia. I have participated, but, as a walker.  It takes a little over an hour.   My children have participated many times as runners.  All along the route there are folks lined up to encourage you on your way.  There are live bands,(polka, jazz, Irish, Scottish, rock) boom boxes, cheering sections... 10/06/2007