Keji & Associates of Fairfax Realty,Inc

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Keji & Associates of Fairfax Realty,Inc Real Estate sales, marketing

10/14/2026

The "609 Dispute" Myth vs. Reality.
Stop sending '609 Dispute Letters' expecting credit bureaus to magically delete your accounts. Here's what actually works.Section 609 of the Fair Credit Reporting Act just grants you the right to request copies of your file—it doesn't force deletions.
If you want inaccurate accounts removed, cite Section 611 or 623. That legally forces the bureaus and original creditors to verify complete source documentation within 30 days or delete the account.I uploaded the correct Section 611 Dispute Templates inside The Asset-Ready Network. Tap the link in my bio to join for free and grab them today!

10/14/2026

FHA vs. Conventional Credit Score Secret

Think you need a 700+ credit score to buy a home? You're missing out on real estate deals.You can qualify for an FHA mortgage with as low as a 580 credit score with 3.5% down. But bumping that score up to 620 unlocks conventional financing, drops your private mortgage insurance, and saves you tens of thousands over the life of your loan.Want to know if your credit is mortgage-ready? Tap the link in my bio to join The Asset-Ready Network for free and check out our Homebuyer Roadmap! ❤️

10/14/2026

How to make the your home with lender buy down.Homeownership made easier with this program,you save thousands in interest .DM for details on how to qualify and make the move this fall to homeownership. ❤️

10/10/2026

Credit Score vs. Debt-to-Income (DTI)
A 750 credit score still won't get you approved for a home if you ignore this single number."Mortgage underwriters look at two main factors: your Credit Score and your Debt-to-Income (DTI) ratio. A 750 score proves you pay on time, but if your monthly debt payments take up more than 43% of your gross income, lenders will deny your pre-approval. Balance both to stay asset-ready."
We break down both credit and income readiness roadmaps inside The Asset-Ready Network. Tap the link in my bio, grab your free membership, and let's get you ready -READY

10/08/2026

How Authorized Users Boost Scores Fast

Need to boost your credit score 30 to 50 points in less than 30 days? Try this legal credit hack."Ask a family member with a high-limit credit card and 100% on-time payment history to add you as an Authorized User. You don't even need to hold or use the physical card—their stellar payment history and low utilization clone right onto your credit report on the next statement date.Want to know how to transition high credit into real estate funding? Join The Asset-Ready Network for free—link is in my bio

10/08/2026

Fall in love with this beautiful home in Bowie.Perfect time to make your move and be settled for the holiday. Huge gathering living with all finished levels, and care free living right in the heart of Bowie..and yeah very very low HOA..
Amazing loan programs available for buyers..from zero down payment to lender buy down points..The possibility are endless..Let's connect to make this house your home.DM Bowie for more details

10/06/2026

The "Pay-for-Delete" Negotiation Secret
If you pay off a collection account without getting this ONE thing in writing first, you just ruined your credit score. simply paying off a debt collector changes the balance to zero, but leaves the derogatory account on your credit report for 7 years. Instead, send a formal Pay-for-Delete Agreement. Get them to agree in writing to completely erase the account from all three credit bureaus in exchange for your settlement payment. uploaded our complete Pay-for-Delete letter template inside The Asset-Ready Network. Tap the link in my bio to join for free and download it to.

10/06/2026

Coming soon.Ready to Fall in love with this luxurious home in Bowie,MD. Ready to be home for the holidays, this home in Bowie makes perfect sense to prepare for your holiday gatherings,from the gourmet modern kitchen, to huge gathering living , dinning and family room and finishes basement.You have enough room for everyone to move around and enjoy.Ready to be home for the holiday..Put this in your to view list 🍁🍂

10/03/2026

How to Dispute Unauthorized Inquiries

10/01/2026

Stop Using Personal Credit for Business! 🚫

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7375 Executive Place #303
Lanham, MD
20706

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