I am sure that all of the Realtors will have ran into this problem with clients.  The Clients are ready to start looking, go to the mortgage company to find out what they can afford only to find out that their credit rating is not good enough.  Well I found out from one of our lenders that there are some sneaky little things that could be hurting your credit rating and you don't even know it.  They seem benign and some not so benign, but there they are, eating away at your rate.

1.  Unpaid fines such as library, parking tickets and traffic tickets.  They can be turned into a private collection agency.

2. Opening a new account while applying for a loan,

3. Transferring credit card balances, but never really paying down the debt

4. Keeping high balances on your credit cards even though you pay on them every month and have never had a late payment.

5. Your behind on the credit card and you think settling the debt will be better for you, DON"T, settling a debt actually and not paying on time is worse on your credit rating.  Keep paying, quit charging, get the debt taken care of.