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  • Pay your bills on time. 
    • Every time you pay a bill 30 days late, it lowers your score. 
    • The more recent the late payment is, the more that late payment lowers your score.
  • If you missed a payment, get current on that account. 
    • If you are past due on an account, just making the late payment and not making the current month’s payment will continue to lower your score.
  • Keep balances low on your credit cards.
    • If your balance is more than 70% of your credit limit, it lowers your score the most.
    • If your balance is 50% – 70% of your credit limit, it lowers your score a bit less.
    • If your balance is 30% – 50% of your credit limit, it lowers your score even less.
    • If your balance is below 30% of your credit limit, it will improve your score.
  • If you don’t have any major credit cards (MasterCard, Visa, or Discover), you should open at least one.
    • Opening two major credit card accounts is even better.
    • If you are not sure how to do this, or think you won’t be approved, give us a call.  There are credit card accounts available that everyone can get approved for, and we can tell you how to get them.
  • Review your credit report with someone who will take the time to go over every line with you.
    • We will show you how to interpret everything on the report, how to identify errors, and how to fix those errors.
    • You should NEVER have to pay for this service, regardless of who you choose as your lender.

Call me to find your dream home now.

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