The Facts About Your Credit Score

Your credit score is one of the most important numbers you have. Not only does it affect your interest rates when applying for a loan, it can also impact your insurance rates, certain job prospects and even your chances of renting an apartment. As a result, improving one’s credit has become a multi-million dollar industry.

What’s your credit score?

Your credit score indicates to lenders and other businesses how much of a credit risk you pose if they allow you to borrow money. The Fair Isaac Company (FICO®) uses an algorithm that takes into account 30 different factors within your credit report to arrive at a score from 300-850. The higher the score, the better the credit risk you are to lenders. Other credit reporting agencies, such as Experian, Equifax and TransUnion, calculate their own credit scores within their own ranges; however, the FICO® score is the standard that lenders use when they pull your credit score.

 

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Hello New Members!!

Welcome New Members…

Congressman Duncan D. Hunter, 52nd District – Rick Terrazas – www.Hunter.House.Gov

Congressman Duncan D. Hunter represents California’s 50th Congressional District consisting of East and Northern County San Diego. In 2008, Hunter was elected to his first term in the House of Representatives, succeeding his father, Duncan L. Hunter, who retired after serving 14 consecutive terms in Congress.

Hunter is a native of San Diego. He graduated from Granite Hills High School in El Cajon and earned a degree in Business Administration from San Diego State University. More…

Feeling Lucky Entertainment – Aaron Rachman – www.FleCasinoParties.com

Feeling Lucky Entertainment is a local Casino Themed Party rental company that has Vegas like tables such as Blackjack, Craps Roulette and Poker. All of our tables come with professional dealers as well. We do Birthday , Anniversary, Holiday and Company parties. We also love to do events to raise money for our local Non Profits.

 United Way of the Inland Valley – Kimbrerly Pennington – uwiv.org

United Way of the Inland Valleys was formed in 1931 by community leaders for the purpose of making our region a  better place to live and to do business. The mechanism for doing this was to raise funds to support health and human services provided by United Way affiliated agencies through a single fund-raising campaign. More…

Navy Federal Credit Union- Karen McGrail – www.NavyFederal.org

Since 1933, Navy Federal has grown from seven members to over 4 million members. And since that time, our vision statement has remained the same:

Navy Federal Credit Union will perform with such excellence that all present and potential members will choose Navy Federal as their primary financial institution.

You can leave the military, change employers, move, retire, get married—and never have to leave Navy Federal. “Once a member, always a member.” Read more

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Allure Magazine Doesn’t Just Talk Fashion, They Talk Handshakes

We all know that a firm handshake is crucial to any business encounter, and now a new study explains why. Aside from demonstrating good manners, a handshake can also diminish the effect of other nonverbal communication that might cause a negative perception. In the study, led by Sanda Dolcos, a psychology researcher at the University of Illinois, 18 men and women watched brief animated videos of two people greeting each other in a work setting. Every time, the viewers evaluated the apparent competence and trustworthiness of the person acting as the host. An open, inviting posture earned high ratings, but more so when combined with a handshake. And even among those who went on to cross their arms or scowl, an initial handshake minimized the bad impression.

May’s Featured Member

Have you met Katherine Helock?

 Katherine has been a member of VYP for about a year and comes out to most of our events. She works for SDA Security which is one of the leading safety and security company in Southern California.

And she is offering a promotion right now!

Sign up for our RockIT Smart Security-on-the-go to secure your facilities against intruders from your mobile phone. RockIT Smart Security-On-The-Go delivers great protection for your business with the convenience of leading edge, mobile-enabled technology. Access, enable and monitor your security system wherever you are – go mobile, and start saving! For more information please visit http://www.sdasecurity.com/rockit/

Learn more about Katherine,  SDA Security and yet another promotion offered to you.. Click here

Next time you see Katherine at a Valley Young Professionals event don’t be afraid to say hello, because now you know her.

 

This Month’s VYPER!!!

 

Join us this month for some casual networking at Rodrigo’s Mexican Grill.

We will be starting the summer off with a summer themed networking event. Free appetizers, networking games and a silly photo booth. Come relax and hang out with some new friends.

Date: May 23, 2013

Time: 6:00-8:00pm

Location: Rodrigo’s Mexican Grill 39562 Winchester Road Temecula, CA 92590

Thank you to our sponsors:

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