“There is Nothing Worse than Little Knowledge”

     “There is Nothing Worse than Little Knowledge”



Good morning Joe,

So I checked our credit scores last night and they changed a little since last month. I guess because we had to use our cards more due to unexpected expenses this past month but that's all getting paid back tomorrow so hopefully that will help it go back up a little more but we are both listed as fair at the moment. Attached is a copy for you to review. Hope you are having a great morning! Greg


This client did not feel comfortable having me pull a credit report as he had just received a report a couple days earlier, so I asked them to send me a copy of what they had. Unfortunately there are a number of collection accounts and only one good credit item between two people and no credit scores, which I need.


It becomes a challenge when reviewing credit that an individual obtained on their own because all credit reports are not created equal. Many companies that obtain information don’t get all the necessary information that I will need. Collection accounts can be left out, judgements can be left out, as well as public record items. Without all the information I can’t give someone a true picture of what they will need to do to allow them to be mortgage-able.


Image courtesy of StuartMiles/Freedigitalphotos.net

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Joe Petrowsky, NMLS #6869

Right Trac Financial Group, Inc. NMLS #2709

110 Main St.

Manchester, Ct. 06042

Office: 860 647-7701 x116

Fax: 860 647-8940

Cell: 860 836-9294

Email: joe@righttracfg.com



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Joe Petrowsky does not guarantee nor is in any way responsible for the accuracy of the information provided herein, and provides said information without warranties of any kind, either expressed or implied.

Equal Housing Statement: We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the Nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing becuase of race, color, religion, sex, handicap, familial status, or national origin.

Comment balloon 5 commentsJoe Petrowsky • September 13 2017 02:18PM


Agree with that statement 100%

“There is Nothing Worse than Little Knowledge”

Posted by Sham Reddy CRS, CRS (H E R Realty, Dayton, OH) over 1 year ago

Good morning, Joe Petrowsky there is nothing worse than dealing with clients who try to put bandaids on their slaughtered credit....

Posted by Barbara Todaro, Marketing Agent for The Todaro Team (RE/MAX Executive Realty ) over 1 year ago

Good morning Joe. Want to know, consult a pro! Enjoy your day! 

Posted by Wayne Martin, Real Estate Broker - Retired (Wayne M Martin) over 1 year ago

Good morning Joe. You title says a great deal. I hope you can help these folks.

Posted by Sheila Anderson, The Real Estate Whisperer Who Listens 732-715-1133 (Referral Group Incorporated) over 1 year ago

It reminds me of Paul Harvey talking about page two. There is always more to the story.

Posted by Joe Pryor, REALTOR® - Oklahoma Investment Properties (The Virtual Real Estate Team) over 1 year ago