I have often talked about the battle between buyers and sellers in today’s real estate market and I don’t want to badger the point any further, but I think that the problem has now spread to the realtors.

Elizabeth Duke, a governor on the Federal Reserve board, reported last month that credit for both consumers and businesses continues to tighten. Banks tighten credit by raising credit score requirements, reducing credit limits, and/or increasing requirements for “skin in the game”.

No doubt about it, it’s been a good summer. It can’t even come close to comparing to last summer when I wondered if we would ever sell a home again.

A year ago, I wrote that “there has never been a bigger gap between a buyer and seller than what we seeing in the current market place.” I wish I could report that a year later, the gap has closed significantly, but it hasn’t.

So, you’ve exercised your rights as dictated by the FCRA and disputed some inaccurate information on your credit report. Statistics show that 80% of credit reports contain inaccurate information. Disputing these inaccuracies is your legal right and is encouraged by the Federal Trade Commission and consumer groups.

It’s the end of the July and in a few short weeks the summer real estate season will begin to slow down. Right around the second week of August, things begin to slow down as parent and children try to sneak in one more vacation before school starts.

Many HOA’s are in financial trouble because of foreclosures, short sales and the economy. The HOA’s are passing along higher fees and special assessments on to current home owners within a community.

Tamrick Homes is a small builder that did not know if they would survive the real estate crash. In 2006, they started a development that was planned for 120 homes in Dacono, Colorado which is a southern Weld County about 20 minutes from downtown Denver and just south of Longmont.

Last month, I received an email from a reader of this column telling me that the problem of “keeping up with Jones” was one of the main reasons we got into real estate trouble in this country.

There is a saying in business that 20% of the people you deal with create 80% of your aggravation. I believe this to be true because I have seen it time and time again in my own life. The question is: what do you do with the 20% that you consider as toxic people?