BOOST! Your Credit Score!

We’ll make sure that before you’re ready to purchase or refinance, you have all of your ducks in a row! Let’s start with your credit score.

We’ll help you address the dings that need repair now, in case you have issues that need time to resolve.

That said we’ll make some recommendations that also increase your scores within a short window of time.

1. Dispute Errors

Mistakes happen. We’ll help you identify errors on your credit report and guide you in taking steps to get those errors removed.

2. Spend Under Your Credit Limit

It’s best to keep your debt to credit ratio at 30 percent, or lower. That refers to the amount of credit you’re actually using compared to the total credit available to you. Low ratios help your credit rating.

3. Check Your Limits

Check to see that your stated credit limits are current. You don’t want them to mistakenly show that they are lower than they should be.

You may want to get your limits raised, but don’t increase your spending.

4. Don’t Close Any Cards

Canceling a credit card will cause your available credit to drop. You can always keep a card active by putting a recurring charge on it, like your utilities.

5.Pay Your Bills On Time

Your payment history makes up a whopping 35 percent of your FICO score!

6. Keep Old Good Debt On Record

Well-managed, long-term debt is a big plus for your credit score.

Everything we’ve mentioned here can help you IMPROVE your chances of qualifying for the right mortgage product for you!

Call us for more ways to SAVE!

RoseMarie Zúñiga

Your Marketing Manager