Step 7

Background: Spouses often have credit cards that are separate from each other. This keeps each of them from benefiting from the positive score impact that the age, available credit limits, and positive payment history of their spouse's credit lines could have on their credit scores.

Your Assignment:  Spouses: Add each other as "Authorized Users with Account Responsibility"  to all of your accounts in good standing; i.e. good payment history, low balance ratio, etc. Do NOT add each other to accounts with ANY derogatory history.

Step 8

Background: Similar to Step 7, if you have someone close, who is willing to help, and who has good credit, then, with their permission, and cooperation, you can benefit from their positive history.

Your Assignment:  Ask them to add you as an "Authorized Users with Account Responsibility". NEVER betray this trust. It's huge. Whoever does you this favor loves you A LOT.  Ask your Home Ownership Roundtable professional about the dangers, as well as the benefits of this approach.

Step 9

Background: State-of-the-art credit analysis tools available through select mortgage professionals provide a clear concise roadmap for your credit optimization process. These tools provide you with a step-by-step guide to maximizing your credit score, as well as a precise projection of the effect these steps will have. Your Home Ownership Roundtable professional can help you utilize additional tools such as instant payoffs and rapid re-score to have these changes reflected in your credit score in as little as 72 hours.

Your Assignment: Gather all supporting information to give to your  professional, then let them get to work helping you to Improve Your Credit and Improve Your Mortgage.

Best Regards,

Temecula, CA No Down Home Mortgage Loans