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BUILD AND IMPROVE CREDIT | 32819 | 32836 | Dr Phillips

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BUILD AND IMPROVE CREDIT

To buy a home or bigger home is relatively easy, but you must be structured and successful at it. One method is to have permission to piggyback on someone else credit as a joint account holder and be responsible. You must choose the right person to let you do this. All bills must be paid on time and this statement will be repeated. Monitor your credit and creditors through many different organizations such as Transunion, Equifax and Experian. I use credit sesame and credit karma app to follow my creditors so that I wont have any surprises. However the credit scores are skittish. Here are your score ingredients. Payment History 35%, Amount of debt 30%, Length of credit history 15%, Amount of new credit 10% and Credit mix 10%. 

SECURED CREDIT CARDS

Secured credit cards works as well, again you need to be structured and pay on time using your own money. Typically 300-500 dollars is required to get going and it will be deposited into your account with that particular bank, in turn you will receive a credit card in the mail. Rule is use no more than 30% of card is the rule and do not be late on payments. There is an annual fee that varies. Retail store cards and gas cards works just as well and good to have a mixture. Lender's like to see a variety.

CARD UTILIZATION

This weighs heavily on your score. If you use excessively, your score will drop rapidly. Please don't let this happen. This shows lenders you are mismanaging. However pay the balance back down as soon as possible. Your credit score will feel the sting and drop before your eyes from doing this by mismanaging. As your credit score rises you will see more offers come in the mail and limits increase on cards. This shows well to the lenders and have favor with you. As for searching for Florida Realtor's, I am one of the finest Realtor's in Central Florida you can find. Call me today at 407 479-8583 for immediate response. Facebook Kevin Sells Florida and Kevin Selling Florida.

 


BUILD AND IMPROVE CREDIT | 32819 | 32836 | Dr Phillips

All listing information is deemed reliable but not guaranteed and should be independently verified through personal inspection by appropriate professionals. Listings displayed on this website may be subject to prior sale or removal from sale; availability of any listing should always be independent verified. Listing information is provided for consumer personal, non-commercial use, solely to identify potential properties for potential purchase; all other use is strictly prohibited and may violate relevant federal and state law. The source of the listing data is as follows: Stellar MLS (updated 5/28/22 11:59 PM) |
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