*Pay all accounts on time and make sure you do not go past 30 days late
*Avoid allowing any accounts to go into a collection status

*Never max. out your credit cards
*Keep you balances to <40% of your credit limit on revolving credit
*Establish a history of credit and do not close old accounts

*When shopping for a mortgage or auto loan try to do it within 14 days so that it only counts as 1 inquiry

*Don't apply for a lot of new credit at one time
*Don't think that if you pay for everything in cash and don't have any credit that this is good for you

*Be responsible using credit and don't over extend yourself

______________________________________________________

Roland Carrillo, PhD
Branch Manager
VanDyk Mortgage in Cary, NC
Email: rjcarrillo@gmail.com
Website: http://www.mymortgageanalysis.com/ 

Our branch specializes in affordable lending options including FHA / VA and the Community Heros program.  As both a banker and a broker, you have access to a full menu of products including all Fannie Mae and Freddie Mac Conforming loans, Reverse, Jumbo and Commercial financing on a variety of property types.  We are located in Cary, North Carolina and are within easy reach of the entire RTP Area including Wake, Durham and Orange Counties.