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2019 Credit report

It's 2019. You are ready to clean up your credit. Hurrah!

Your credit score plays a huge part in determining if you get a mortgage and, if so, how competitive your interest rates. A good credit score can save you thousands (even tens of thousands) of dollars over the course of your loan, which is why it’s important to get it as high as possible before you purchase a home.

Get a copy of your credit report and check for any errors. Errors are more common than you think, and even a small mistake can drag down your score. If you find an error on your report, you’ll need to contact the credit bureaus to have it removed.

Once your report is error free, it’s time to do everything you can to boost your credit score. Paying down debt, paying all your bills on time, and keeping the percentage of credit used low can all help to increase your score — which will help you get a better deal on your mortgage when you apply.

It's easy if you know what to start with. And, hey, today's a great day to begin! Good luck.

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©2018 by Kerri and Ray. #relocatingtoColorado and #bestCOrealtor