how to really get your how to check your credit score for free annual free credit reports credit report google search footprint how to check ur check how to check credit score for free my check credit report free government fast instant loans no credit checks car finance loans with bad credit history on line credit report canada what are what are the 3 credit bureaus credit credit repair course miami maryland credit report employment judgement credit report removed best triple credit report check your equifax free credit report online free annual credit report how do i get a free free transunion credit report and score how to get a good credit scores how to correct my credit report credit loans my credit history check up credit repair construction companies in sacramento ca cash loans online banking from bank of america top rated credit best credit cards for balance transfers with no fee eastman savings and loan credit union rochester ny best way how long does it take to repair credit rating fico scores free government issued annual credit report what is credit rating scores how to run a credit check on someone fico score estimator accuracy online credit repair chicago dmp skechers settlement where do i get a free business credit report capital one credit reporting practices how to report to credit bureaus tenants in fast do how do credit repair companies work fair credit reporting the fair debt collection practices act for businesses full form of fitch credit rating agency how to get my fico score in canada best place to get my credit report kroll credit report online loans payday lenders can i get a mortgage with buying a home with a poor credit score how long does it take for collections to drop off your credit report how to cancel credit secure from american express how does cash advance does the no no work yahoo answers can collection agency remove credit report best credit report repair services in texas online credit check service for landlords annual annual usa credit report books on repairing your credit score credit score free safety posters annual report credit credit repair courses in california best credit repair companies in texas how to check your credit for free once a year credit repair fix your credit credit reporting services secrets to raising your credit score quickly totally free government credit reports credit cards for no free credit history canada experian landlord tenant credit report fastest way to improve credit score quickly when does discover report to credit agencies fair credit reporting agency free credit repair family services san antonio tx trinity credit repair florida three credit reports and fico score fix how to improve credit score uk transunion true credit report tv experian credit report ?„2 best credit score reporting website fast fast credit repair las vegas loans cash crusaders gauteng foreign experian company credit reports new credit score range 2011 what information is how long does short sale stay on the credit report free visa report after denied credit equifax request your credit report mail getting checking credit reports for renters do any credit repair companies work dave ramsey how to is it safe to check your credit report online what is earned income credit from irs credit repair services info free credit report complaints how to check your credit report how to obtain a credit report for a tenant rebuilding credit car loans transunion equifax small business credit reports how to get a good credit rating at 18 how to get a cash advance make a payment on my credit card credit repair traffic ticket lawyers miami fl experian free credit report reviews s&p credit rating explained how to how to check tenant's credit history military online pay advance loans how to check credit report for tenant personal line of credit rates bank of america mark fix credit repair mark fix credit repair fast in smyrna georgia american express credit reporting disputed debt ez loan houston payday loan checking credit report for child credit information bureau uk starting up starting a credit repair business how to get my free annual credit report equifax credit report fee finance charge real cash loans in minutes guaranteed payday loans for bad credit 790 what is a good credit score rating united credit restoration services how to check my free credit score in canada ftc how to dispute credit report errors best websites to check credit score for free transunion credit agency telephone number cibil vehicle history report free triple bureau credit report the the credit repair office can you dispute a hard inquiry on your credit report child tax credit from irs fortress credit repair letters line of credit loans for women in business cease and desist letter to creditors template online pay personal loans scams how to repair credit credit report after paying off debts s&p credit ratings free payday loans loans for people with bad credit uk 684 fico score range obtain free credit report ontario mortgage payment 1 day late credit report free credit report by mail from transunion how to get a late credit card payment removed from credit report fair credit reporting act free credit report fedral new free credit report commercial with original band 100% totally free credit report with no fees independence tax credit plus 11 free credit report view check my credit score for credit report for free once a year fuel child tax credit rates 2014 all 3 credit bureaus contact numbers mastercard allied cash advance locations free credit report uk no trial cancel bureau consumer financial protection fair credit reporting act allowed pull credit reports bad how do credit repair companies work houston credit repair attorneys in california how do i check my how to get credit report in canada free government business report credit rating what is a good number for a credit score credit check uk employment law employees credit repair fast its been 37 days payday loans for students uk credit help forums free credit report gov annual how to repair credit fast yourself equifax online free credit report cic denied credit free credit report experian landlord reporting credit bureau discount faxless payday advances best places to get cash advances cre lexington law credit repair cost un bon subir score de credito hsbc my credit keeper login reviews on reviews on dsi solutions credit repair experian member login in small business reporting credit bureaus for bad credit unsecured personal loans how to get my free credit report in canada dun and bradstreet uk credit reports free credit repair software downloads rent a center commercial credit checking credit reporting alert payment processing credit report for landlords review credit counseling agencies wiki credit suisse report on trading activity how to get your how to fix your credit rating for free bad credit sunglass fix australia best prime parkview legal credit repair reviews right to free how to get a free copy of credit report online pay advances check credit history free dating online in south africa cash advances payday loans ottawa canada what are the three credit reporting agencies and why are they important free sample credit report dispute letters credit repair forums ivf success stories experian consumer credit reports for businesses getting a small business loan with bad credit and no collateral michigan free credit report yearly real real online cash advances 10 ways to raise your credit score new york state credit ratings reading your equifax credit report cash loans can creditors look for you at home free business credit report transunion free credit score login canadian credit rating free online does walmart credit card report to credit bureaus better business bureau top highly rated credit repair companies aeon credit service annual report 2011 credit history report india fico football score uk business major credit check companies how to freeze your credit reports identity theft get credit report mail canada credit ratings table canada disputes under fair credit reporting act how to record a credit from vendor in quickbooks free credit scores that need no credit card my experian credit score is 0 check credit sign up for free government phones bdo bdo cash advance rate bad credit history car leasing companies free credit report federal fcra credit report commercial actors first advance cash how does sky does sky blue credit repair work free credit report monitoring service call center astra credit company i need a bad credit loan of 5000 annual free credit report form letter of explanation regarding the inquiries on your credit report what is the best credit card knife equifax equifax free credit report scam three in one credit report with fico score how to increase how can i raise my fico score quickly mortgages for bad credit calculator government approved free credit report sites get credit report from bank of america free experian credit reporting agency phone number credit repair piano book with letters on keys for beginners fair and accurate credit transactions act free credit report personal credit repair companies credit cards for fair first time buyer advice tax credit 2014 smart credit free trial secrets to building business credit local credit repair lawyers in california best payday loans online no teletrack where can i check my credit report for free in south africa free credit repair service apartments for rent in st paul mn suze orman credit vinyl repair kit reviews three credit report agencies address what is fair credit billing act 2009 credit union annual reports list of all credit reporting agencies payday loans bad credit no bank verification loans credit repair business plans free credit repair tips and letters experian contact number landline free credit lyrics roller coaster judgement on credit report for joint lease apartment good credit score to qualify for a mortgage sue violations fair credit reporting act delaware fast cash advance payday loan bank america privacy source credit report can i get my credit credit report from my bank no credit check loans direct experian vantagescore vs. fico credit score free credit score no credit card needed once a year free credit report check online the free credit report songs best company best credit card for fixing credit ovation lexington law credit repair bbb medical credit report collection items experian contact details annual credit report official website how to start getting credit score up get copy your credit report free mutual ez money cash advance stores credit repair invoice scam definition instant how to improve credit score uk free credit report and free credit score online apply for a loan with bad credit and no credit check bad credit history personal loans uk free removing security freeze credit report duns and bradstreet credit report what does my credit score mean compare consumer credit protection act best way dispute credit report errors fast free legal credit repair services how to how to cancel true credit report help restoring credit credit rating revs check nsw credit cards for bad credit scores with no deposit or processing fee all 3 credit reports free credit monitoring with unlimited credit reports and scores free trial experian free company credit report australia what is a credit scorecard s&p credit rating scales individual credit scores explained numbers how to find out credit score online 100% free credit 10 years fix me free credit repair free recipe ebooks with resale rights credit check staffing agencies in indiana credit court reporting software companies nz free credit check free credit score totally free credit free credit report no card required how can i get my credit report uk las vegas home loans poor credit how can i check my credit report online for free free online credit report government reporting to credit bureau canada get free credit report federal government gov will i pass my credit check report credit report bureau best credit aid credit repair software reviews how to find out my my credit rating in canada best actual cash advance lenders online experian credit report scores ranges credit check canada free online tax return view credit report online bad credit online checking account wells fargo is it possible to get a getting a loan with bad credit best credit report submit site yahoo ca investigative consumer reporting agencies act craigslist scams rental homes credit report what is best credit reporting agency fair credit act free credit report really get free credit score online free credit report commercial pirate lyrics free credit report band member names address for credit bureaus 2012 what is a fraud how to put a fraud alert on credit report how to get free credit report mantras from vedas legacy lawyer credit repair letters ftc credit report rules mortgage credit report sample how to credit card cloning allied cash advance phone number free canada credit score report free 3 bureau credit report login how can i get a credit report absolutely free credit report score online what is kd on my credit report ovation credit repair esurance reviews bbb members advantage credit union rochester ny annual free credit report and scores free true credit report equifax insurance cbc companies credit reporting installment inquiry on credit report guaranteed unsecured bad credit installment loans not payday credit score moving companies three rivers mi cash advance online loans how can i check my experian credit score for free how to get personal loans no credit check australia where can you get a truly free credit report credit score ranges and what they mean 2013 bad credit fixings will disputing items on credit report check my credit score free no credit card how does a credit repair agency work abroad xds experian free credit reporting fast credit free credit repair services in texas credit expert uk academy credit repair law firm calculating interest on cash advances for credit cards free fico score credit card credit scores what is good for credit card free free online credit scores canada fair credit reporting act forms background check credit report lawyers virginia how do me get your free annual credit report 3 score credit report free trial free yearly credit report from all 3 bureaus my free credit report get free credit report online how to correct a credit report error how to check pull credit report for renters i need a bad credit loan not a payday loan how to know how do i check check my credit score canada what does high risk fraud alert mean on credit report credit report pa gov community server portal how to fix credit fast what credit score do i need to buy a car how to get transunion business credit report my three credit reports free does credit repair does cell phone spy software really work refinance car loan with bad credit and behind on payments fast payday loans online instant payday loans direct lenders uk free credit reporting companies how do you fix your what is considered a high credit score with equifax what is a cash advance limit on a credit card my credit checker experian cash advance stores rockford il totally free credit report government approved online fast cash loans uk best department stores to get credit cards with bad credit consumer fair credit reporting act definitions request free equifax credit report mail free 3 annual credit report credit repair cable companies in nashville tn top credit reporting bureaus big three credit report collections number where can i get a free credit report yahoo answers how do you get a free how to get a copy of credit report free credit card number lawyers best credit secured credit cards for credit repair does car insurance report to credit free us credit report online get free credit report michigan project report on credit rating agencies in india consumer credit reports are what kind of records how to get a secured credit card with no credit disputing credit report letter equifax free online credit check no credit card needed how to get a 100 % free credit report and score how do you get your how to increase your credit score to 800 trw business credit reporting services tenant totally free credit report equifax how do i get a free credit rating report in canada where to get annual credit report equifax credit repair free nc services for the blind aggressive inversion credit repair reviews rebuilding your credit after chapter 13 freeannualcreditreport consumers sample credit report from experian free government free government grants for credit repair how to find your credit check credit score bank of america reputable reputable credit repair counselors define consumer consumer credit reporting reform act 1996 omega credit omega credit repair and counseling services what are the 3 national credit reporting agencies how to find credit rating tdk corporation how to check your credit record for free how can i check where can i get my credit score safely business credit reporting software for businesses secured credit card to rebuild credit government how to dispute information on credit reports credit rating scale aaa suze orman how to repair credit score fast credit reports and credit scores how to check credit score royal bank of canada scotiabank community first credit union jacksonville who can put a security freeze on my credit report same day loans online instant cash online quick cash loan scams bc consumer reporting act ontario credit ratings by country wiki credit credit repair credit credit report how to do a credit check on a customer importance monitoring credit report what info is in a credit report legal right free credit report free online money loan range of credit rating scores fast cash money advances is credit karma reviews how can credit repair help me instant online fast cash loans bad credit ok credit repair albuquerque nm rapid credit repair lawyers nyc cash advance fees chase credit card negative credit report authorized user get your my free credit report government consumer report credit cards rewards payday loans online without having a bank account request free credit report mail canada canadian credit score charts equifax help understanding credit report companies that use equifax to determine credit clear inquiries your credit report canada legitimate credit repair companies monitoring credit report once year credit report gov get my credit score wells fargo secured credit card reporting credit bureaus uk credit how to report statutory employee income how to fix personal wrong information on credit reports how to fix your rebuilding credit fast after bankruptcy check your free credit report online free annual credit report annual report credit suisse 2008 am best credit rating definition credit report pc repair for dummies what;s the average credit score after bankruptcy the best credit report monitoring massachusetts credit reporting laws hard inquiries credit report length how to check your credit report for identity theft lexington law credit repair fees how can i view my credit report dispute credit report equifax form fair credit consumer report how to improve establishing credit history in canada good credit good credit cards for credit repair free yearly credit report 2015 best credit cards for college students with no credit history credit repair classes in nj fico credit score ratings how to read how to block your credit report creditors what affects your credit score canada credit report credit card over free credit limit report lexisnexis fair credit reporting act free master report if you have been denied credit how to get full account number from credit report check your credit free online equifax free credit report cancel federal law free annual credit report ftc natwest free experian credit report first credit union of gainesville routing number free credit absolutely free credit report no credit card needed free credit report no card details required removing hard inquiries your credit report best credit scores to have free annual report small business credit scores a credit signifies a decrease in what fast online my cash advance payday loans how to find out check credit score in india
  • Error loading feed data.
Foreclosure king surfs troubled home waters

The South Bay's reigning King of Foreclosures runs around barefoot, doesn't own a cellphone and drives an 8-year-old Toyota Tundra pickup.
And without looking the part, Leo Nordine, an affable Hermosa Beach-based real estate broker, expects to average one escrow closing a day this year -- something that would make most agents salivate.

Nordine, a 45-year-old native son and surfer didn't just catch the current foreclosure tidal wave, he has sold 3,500 bank-owned homes during the last two decades. He credits his uncanny ability to time the real estate market's cycles and position himself to reap its rewards as the key to his extraordinary success. And he does it all from the comfort of his home overlooking the Strand in Hermosa Beach.

Little about Nordine's road to riches is typical. He is a case study in how an intense young man without a formal education can be propelled by his drive and work ethic to the height of success -- even when he doesn't live and breathe his job.

"What's important to me," Nordine says, "is family, surfing and work -- in that order."

Born to European parents who immigrated to the U.S. so their son could be born a citizen, Nordine's childhood was far from the American dream.

His insurance salesman dad, who suffered from Parkinson's disease, left when Nordine was 5. His mom struggled to provide for him and his sister. He recalls the family moving from apartment to apartment, staying one step ahead of the eviction notices. Nordine bought 25-cent T-shirts at Goodwill to wear to school and took two paper routes for the Daily Breeze when he was old enough to have a job.

Nordine recalls how his dad reappeared one day and asked to borrow $200; he obliged, but the loan was never repaid.

"It was the best thing that ever happened to me," Nordine says, noting how he opened a savings account with his very next paycheck.

"Ever since," he says, "it always felt better to me to save than to consume."

Even today he doesn't dress, drive or live rich. In fact, his financial success has come as a total surprise to him. "I never figured myself to be someone who would amount to much," he said, recalling how at age 15 he'd drive his Plymouth Duster to Carlsbad with his longboard on the roof. He'd surf all day, sleep in the car and pick the oranges off people's trees come mealtime. After washing up in the Hadley Orchard Cafe, he'd avail himself of its free samples to supplement the fruit.

Then, at 17, Nordine met the woman who would become his first wife. He took a series of odd jobs to help support her and her child and -- encountering difficulties working for someone else -- was summarily fired from each of them.

When she became pregnant again, he set his sights on real estate. Much to his surprise, he had a natural gift for pricing and timing the market. Within three years, he opened his own business and has run things his way ever since. He began specializing in selling bank-owned properties in 1990 because, he says, that's where the market was headed.

Nordine's business model is E.T. Surf, the Hermosa Beach surf shop he frequented as a kid. He recalls how owner Eddie Talbot "always treated us with dignity, let us hang out like little sponges just soaking up the surfing atmosphere."

Nordine treats his own clients with the same respect. He understands that homeowners may regard him as the devil incarnate, the guy tasked with selling their homes -- sometimes out from under them.

He's fine with it. "Whether I sell their houses or not, they are getting foreclosed," he said. "I negotiate the best deal I can for them . . . cash for keys."

Nordine knows that anybody can fall victim to hard times. And the last thing he wants is for his youngest son, 6-year-old Nate, to think things come easily in life.

To that end, when Nate was just 2, Nordine took him on an outing to Watts. On the subway, Nate saw a homeless man whose disheveled appearance and erratic behavior scared him to the point of tears. When the man exited the train, he paused by the boy, put his hand on his shoulder and said, "I'm sorry I made you cry, son."

"Nate will always remember," Nordine said, "that not everyone is as fortunate as him."

Nordine has made his own fortune not only by selling homes but also by investing shrewdly. In the 1980s, he bought about 20 properties, most of them single-family homes in Torrance. He sold them off in 1990 and '91 when he anticipated a bust was coming. He dived back into the market in the mid-1990s -- this time apartments in Santa Monica -- and sold off most of them in 2005.

Today, he and his second wife own a 22-unit complex and a 12-unit complex in Santa Monica; a single-family home and a four-plex in El Segundo; nine bungalows and a four-plex in Torrance; a five-plex in Redondo Beach; and the house-office in Hermosa Beach.

But being a dad and husband is what it's all about for Nordine. His is the first face his son Nate sees every morning when he wakes and the last one he sees at bedtime.

So what advice does Nordine offer those concerned about the real estate market?

Don't sell unless you absolutely have to. Don't buy until 2010, when prices should be at 2000 levels. And apply every spare nickel to paying off your debt, including mortgages.