Here are six easy steps you can take to make sure there are no unknown errors in your credit score (an old paid debt, credit cards you have paid off etc) that for some reason are still attached to your report, and to help raise your score without much effort.
Most people don’t check their credit score until they HAVE to. We don’t think about it on a day to day basis. Unfortunatley we usually find out there are errors on our reports at the most inopportune time, like when we start to search for a home and go to our trusted mortgage professional to get pre qualified (if you are not advised to do that FIRST, your agent hasn’t done you any favors!). Some of these tips take a few months to make an impact on your score, months you don’t have if you are ready to put an offer in on your dream home NOW!
I’ve seen countless people with old credit card debt, car loans that have been paid off etc, that for some reason is still on their report due to some clerical issue at the reporting agencies.
Feel free to ask about some reliable mortagage professionals that I feel would do a great job of coaching you through the entire process, and what other tips they may know of to help out even more!
Happy buying!
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