Have you been contemplating how to...Clean up your credit? YOU're NOT ALONE IN THIS BOAT!
- Would you like to start Working toward buying a home?
- Not sure where to start?
- Do you think you have the perfect plan on accomplishing this goal?
- Do you know anything about how FICO rates your credit?
- What affects your credit score?
- What are the dos and don'ts in repairing your credit?
NOT SURE......KEEP READING!
I felt the need to write this blog because I made the same mistake recently. There are many reasons in life why someone's credit may be effected in a negative way and really when it comes down to it...it's usually a situation you had no control over....But, whatever the reason in your life...THERE IS ONLY ONE WAY TO FIX YOUR CREDIT and this is with the guidance of a Mortgage Professional. A professional trained in helping you reach your goals...not only now but in the future.
That's right! I thought...what better way to fix my credit than to pay everything off? Close all my old credit accounts that are not being used and actually get rid of all credit lines..this way I would not be tempted to use them at all?! That was a great plan and I was going to stick with it!
WRONG....WRONG....WRONG!
THAT WAS NOT ONLY A BAD PLAN, BUT it would have actually hurt my credit score .....Not help me!
I should have taken my own advice, always seek the guidance of a professional trained in the area you need help. The specialist I turned to is , Melissa Falcone a true Mortgage Professional...she can help you set goals, show you exactly what you need to do to work toward fixing your credit and do all the things to raise your score. NOW, you are actually working toward a positive credit repair program, not a negative one. Unlike many people I have met in the Mortgage Industry, Melissa is willing to work with you even if you are not ready to purchase a home right now....that's truly someone who cares about your future. Like Real Estate Professionals...Mortgage Professionals get paid on commission. You would think just that alone would make for a more reliable source of advice, not so. Like Real Estate Professionals not all Mortgage Professionals work with the same convictions. Melissa and I agree that, since purchasing a home and all that is involved with the process it is so very important, and affects our clients lives so greatly, we not only want to work for you in just one transaction, but to develop a long term relationship with our clients...our friends. It just makes sense to keep working with people that truly understands your situations and has taken your best interest to heart.
Just a few pointers I have learned from Melissa;
•1) You should have 2 major trade lines, "Major credit cards"..but, do not charge more than 50% of the balance. It is actually better to stay below 30%.
•2) You do not want to close all credit card accounts. Lenders like to see history...so if you close an old account, you could be hurting yourself.
Everyone's situation is different, so it is important to obtain Melissa's guidance on an individual situation.
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