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Boosting Your Credit Scores

Its Halloween and we are officially in holiday territory! We’re going to blink and its going to be 2023. So for those who are planning to buy a home next year, now is the time to get your plans in order. One of the most important aspects to buying a home in this lending environment is credit. Credit impacts the ability to qualify, the terms of the loan, and the ease of the process. Lenders are tightening on some guidelines so being proactive is the best way to achieve homeownership. If you’re looking to buy a home, here are the main aspects to boost your scores. First and always, make your payments on time every time. Second, if anything has slipped into collections, work to get those paid off either in full or get on a payment plan. Third, don’t open any new accounts if possible. New accounts like credit cards will actually drop your score in the short term but strengthen your credit over time. If you want to buy a home next year and want to get ahead of your credit, give us a call and we can provide all the resources to improving your scores!