A Credit Score Tune-Up Before Spring House Hunting

If you are hoping to buy in spring, the next few months are a great runway to polish your credit. Small steps now can make a real difference later.

Pull your reports

You can check your credit reports for free at AnnualCreditReport.com. Look for errors, old accounts, or anything you do not recognize.

Pay on time, every time

Payment history matters a lot. Set up autopay for minimums so nothing slips during the busy holidays.

Watch your utilization

Try to keep your credit card balances well below your limits. Holiday shopping can push those numbers up, so plan ahead.

Do not close old cards

Older accounts help your credit history. Keep them open and use them lightly.

Avoid new credit before you buy

That store card that offers 20 percent off on Black Friday? Maybe skip it this year. New credit inquiries and accounts can affect your score and your loan.

Talk to a lender

Many lenders will review your credit and give you a personalized plan. That is free advice from someone who knows exactly what helps.

Credit is not a grade on your worth. It is just a tool, and tools can be sharpened.

Have you checked your credit report this year? Tell me in the comments. I read every one.

Thinking about buying or selling in the Valley? Call or text me at 480-572-2159, or visit lovingazhomes.com. First-time buyer? Watch my free webinar at lovingazhomes.com/first-time-buyers.

Tina Marie Miller, REALTOR®, DeLex Realty. Information is general and not legal, tax, or lending advice. Programs and amenities can change; please verify details.

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