- Keep balances low on credit cards and other “revolving credit”. …
- Pay off debt rather than moving it around. …
- Don’t close unused credit cards as a short-term strategy to raise your scores.
- Don’t open a number of new credit cards that you don’t need, just to increase your available credit.
If time is a factor, here are four ways to improve a credit score in 30 days:
- Correct any errors on the credit report. …
- Become an authorized user. …
- Raise your available credit. …
- Negotiate. …
- 1. Make minimum payments on time. …
- Reduce debt-to-income ratio. …
- Have a good mix of debt.
Call today for more information on how to get yourself prepared to purchase a
home.
Stacy 856.364.0772