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When interested in buying a home, one of the main things you need to focus on is maintaining/improving your credit. Here is a list of tips and tricks to help you get on track to a great credit score.
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*Make on time payments on all your accounts.
*Keep unnecessary inquiries on your credit under control.
* Maintain credit card balances under 30% of credit limit and make on time payments.
* Pay or set up payment arrangements for medical bills, etc. to avoid collections.
* Make timely payments on your Student Loans, Child Support, or any other governmental debts you owe.
*Stay away from Pay Day Loans, Cash Advances, or small Loan Companies these do not look good to a lender.
*Check your credit report once a year to make sure there is no fraudulent activity or identity theft.
*Seek guidance from a Certified Credit Counseling Agency.
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