Marcia Loveys's Blog Posts

Most Important Tip To Boost Your Credit Score

The following is how to pay your credit cards effectively without falling into the vicious payment cycle.Cycle Date vs. Due Date: Cycle Date / Closing Date: This is when the creditor ex. Chase

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STEP 7 To Raise Your Credit Score

7. Don't obsessYou should be laser-focused on your credit score when you know you'll soon need credit. In the interim, pay your bills and use credit responsibly. Your score will reflect these smart

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STEP 6 To Raise Your Credit Score

6. Don't hint at riskIf you're planning a major purchase (like a home or a car), you might be scrambling to assemble one big chunk of cash.While you're juggling bills, you don't want to start paying

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STEP 5 To Raise Your Credit Score

5. Pay bills on timeIf you're planning a major purchase (like a home or a car), you might be scrambling to assemble one big chunk of cash.While you're juggling bills, you don't want to start paying

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STEP 4 To Raise Your Credit Score

4. Use your calendarIf you're shopping for a home, car or student loan, it pays to do your rate shopping within a short time period.Every time you apply for credit, it can cause a small dip in your

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STEP 3 To Raise Your Credit Score

3. Leave old debt on your reportSome people erroneously believe that old debt on their credit report is bad, says Ulzheimer.The minute they get their home or car paid off, they're on the phone

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STEP 2 To Raise Your Credit Score

2. Eliminate credit card balances"A good way to improve your credit score is to eliminate nuisance balances," says John Ulzheimer, a nationally recognized credit expert formerly of FICO and Equifax.

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STEP 1 To Raise Your Credit Score

1. Watch those credit card balancesOne major factor in your credit score is how much revolving credit you have versus how much you're actually using. The smaller that percentage is, the better it is

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7 Steps To Raise Your Credit Score

Watch those credit card balances.Eliminate credit card balances.Leave old debt on your report.Use your calendar.Pay bills on time.Don't hint at risk.Don't obsess.Each step is broken down on

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Medical Collections Credit Tip

(Medical Collections) cannot be reported to the Credit Reporting Agencies ("CRAs") for six months from the date of the debt first goes delinquent. So, in reality it'll be at least seven months

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WORK ON IMPROVING YOUR CREDIT SCORE

I am always looking for tools for potential clients and the largest concern I have heard from many of you is that you would love to buy a house, but your credit is not good enough. I just closed

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MORTGAGE PREP LESSON 3

Hi Everyone,If you want to improve your credit, follow the guidelines below.  In addition, each lender I work with has a department that can assist with credit optimization.  If you want

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Mortgage Prep Lesson 2

Hi Everyone!Here is a continuation of the Mortgage Prep series.  Check back for future lessons or contact me anytime with questions.Thanks for reading!Marcia LoveysCredit Scores: The BasicsWhy

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Mortgage Prep 101

I will be offering a series on the mortgage process.  Don't hesitate to contact me anytime  from www.commonsenseagent.com if you have questions or wish to speak to one of my preferred

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10 STEPS TO HOMEOWNERSHIP

Good Day!Below is a brief outline of the process of purchasing a home.  A great realtor will put you in touch with a great mortgage lender to complete the process as easily and efficiently as

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