David Stewart- Realtor

What You Can Do To Improve Your Credit

What You Can Do to Improve Your Credit

Credit scores, along with your overall income and debt, are big factors in determining whether you’ll qualify for a loan and what your loan terms will be. So, keep your credit score high by doing the following:

  1. Check for and correct any errors in your credit report. Mistakes happen, and you could be paying for someone else’s poor financial management.
  2. Pay down credit card bills. If possible, pay off the entire balance every month. Transferring credit card debt from one card to another could lower your score.
  3. Don’t charge your credit cards to the maximum limit.
  4. Wait 12 months after credit difficulties to apply for a mortgage. You’re penalized less for problems after a year.
  5. Don’t order items for your new home on credit — such as appliances and furniture — until after the loan is approved. The amounts will add to your debt.
  6. Don’t open new credit card accounts before applying for a mortgage. Too much available credit can lower your score.
  7. Shop for mortgage rates all at once. Too many credit applications can lower your score, but multiple inquiries from the same type of lender are counted as one inquiry if submitted over a short period of time.
  8. Avoid finance companies. Even if you pay the loan on time, the interest is high and it will probably be considered a sign of poor credit management.

This information is copyrighted by the Fannie Mae Foundation and is used with permission of the Fannie Mae Foundation. To obtain a complete copy of the publication, Knowing and Understanding Your Credit, visit www.goodmortgage.com.
This has been Reprinted from REALTOR® magazine (REALTOR.org/realtormag http://www.realtor.org/realtormag) with permission of the NATIONAL ASSOCIATION OF REALTORS®. Copyright 2008. All rights reserved.

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David Stewart- Realtor


David Stewart- Realtor
ABEK Real Estate

820 Oak Harbor Blvd
Slidell, LA 70458
Cell:(985)710-1728
Office 985-646-2111
Licensed in LA
dstewart.realestate@gmail.com
www.realestatepub.com

Comment balloon 1 commentDavid Stewart • December 21 2011 11:51AM
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