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
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
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
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
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
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
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.
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
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
(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
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
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
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
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
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
Last Updated from ARMLS on July 20, 2018 11:20 PM
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