Credit scores are very important regarding obtaining loans and getting the best interest rate possible. Is your score lower than you would like? Do you think it’s nearly impossible to improve your score? Think again! Here a just a few ways to get your score to where you want it
Continue readingTag: finances
4 Things To Stop Doing As Soon As You’re Preapproved
Once you are preapproved you can still lose your loan. The buying of your home is something you do not want to jeopardize. Your lender is looking closely at certain numbers, check out these 4 tips to make sure your loan goes through! Don’t use your credit cards past 30% of your available
Continue readingShould You Refinance?
Benefits of refinancing Paying off your mortgage early: For example, if you go from a 30 year loan to a 15 year loan without a big increase in your monthly payment, you could save thousands of dollars in interest while quickly increasing the equity in your home. Increase cash flow: Obtaining a
Continue readingHow Long Does It Really Take To Increase Your Credit Score?
Trulia The amount of time it takes to raise your credit score can vary, although many of these tips can affect your score within 30-60 days. Obtain a copy of your credit report and look for errors: The FTC estimates that 1 out of 5 consumers have a mistake on
Continue readingGetting A Mortgage After A Divorce
You may want to take your name or your ex’s name off the mortgage: If you’d like to buy a home and your ex is living in the home you co-own, then your ex should try to refinance in his or her name. Doing this will decrease the debt in your
Continue reading5 Ways To Save On Your Energy Bill
Caulk and seal air leaks: Look for leaks around plumbing lines, recessed lighting, electricity wires, windows, attics, and crawlspaces. Sealing off these leaks can save you up to $220/year per U.S. EPA. Consult an HVAC contractor: Have a professional inspect all the ductwork in your home and make any repairs
Continue reading6 Money Saving Tips That Really Work
Sort your groceries: After grocery shopping and before checking out, get a second cart and take out all of the items from your first cart that are things you just want, such as chips, ice cream, cookies, etc. Once you do this with your entire cart, add up how much
Continue readingWays To Quickly Raise Your Credit Score
The first step to improving your credit score is to know what your score is. The three major credit bureaus are required to provide a free copy of your report every year, so go to www.AnnualCreditReport.com to request a free report every 4 months. Correct errors: Go over your report and
Continue readingThings That Don’t Factor Into Your Credit Score (That you thought did)
Location: The place that you live doesn’t have any bearing on your credit score. Even if your hometown statistically has bad credit, all that matters if how you handle your finances. Employment: On some occasions, information about your employment may be on your report depending on what is reported to each
Continue readingBoosting Your Credit Score
Monitor your credit: It’s difficult to improve your credit score if you don’t know what it is to begin with. There are many sites that offer a free credit report yearly and other sites provide you with your score from each of the three bureaus as well as daily credit
Continue reading