Ways To Improve Your Credit Score

Updated: Apr 17, 2019


Buying a new home is an exciting time. It can also be stressful if you are unsure about your credit or know that your credit is not as high as you’d like it to be. Your credit score is one of the biggest factors in how much of a home loan you can qualify for and the interest rate you’ll pay. The good news is there are easy ways to increase your credit score. By following a few tips, you can make sure your report accurately reflects your use of credit and create a plan to improve your scores if necessary. Check for Errors Errors on a credit report is very common. Make sure that everything is current and accurate. Pay Down Credit Card Debt One of the easiest ways to boost your score is to lower your credit card balances. Aim to have no more than 50% of available credit in use. Remove Negative Accounts If you have old collections or bad debt, negotiate with the creditor to pay some/all of the debt in exchange for removing the record. Keep Old Accounts Open About 15% of your score has to do with how long you’ve had credit accounts. Pay on Time This might sound simple, but always pay your bills on time.

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Audrey Patsiga is a real estate agent affiliated with Realty Connection Group.   Realty Connection Group is a licensed real estate broker licensed by the state of California and abides by equal housing opportunity laws. All material presented herein is intended for informational purposes only. Information is compiled from sources deemed reliable but is subject to errors, omissions, changes in price, condition, sale, or withdrawal without notice. No statement is made as to accuracy of any description. All measurements and square footages are approximate. This is not intended to solicit property already listed. Nothing herein shall be construed as legal, accounting or other professional advice outside the realm of real estate brokerage.

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