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Credit Scores? What to do in Your Scenario ...

By
Real Estate Agent with KW Hometown 1756879

I'm sharing this great testimonial that I recieved last night because I know many people are in the same boat. The questions regarding credit scores are numerous, varied, and frankly getting them answered correctly makes a HUGE deal regarding many other areas in life.  Maybe you can find the same helpful information below in the credit score links.

Credit Score Pie"I am very grateful to you for taking the time to help me (fix my credit) even though I am doing the work. The fact that you have laid out the steps for me to follow is the best thing that anyone has ever done for me. It is easier to understand now what I need to do to get to where I need to be. Before reading this and talking to you, all I honestly knew was that as long as I paid my bills on time and got them under the limits my score would go up. Having the whole equation makes it so much easier. Thanks again!" - H.S.

I couldn't have said it better!

If you need some questions answered regarding your credit score, spend a little time reading these articles below. They should shed some light on just about anything you want to know.  And if you still have questions, just call, text, or e-mail me.

 

Credit Scoring – What Makes Up My Credit Score? (1 of 6)

Credit Scoring – Payment History (2 of 6)

Credit Scoring – Balances (3 of 6)

Credit Scoring – History (4 of 6)

Credit Scoring – Mix of Accounts (5 of 6)

Credit Scoring - Inquiries (6 of 6)

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Steve Kappre is a Certified Mortgage Planner with Treasury Mortgage, a subsidiary of Aurora Financial Group, serving all 50 states, focusing on Gloucester, Camden, and Salem County, NJ. Steve specializes in;

• All areas concerning First-Time buyers; First-Time Buyer mortgages, grants, down payment assistance, tax credits, police and fire loans, rehab loans for first time buyers, and more.

• Reverse Mortgages for seniors age 62 or older.

• Equity Management strategies for high-end homes and high net worth individuals.

Comments(8)

Larry Bettag
Cherry Creek Mortgage Illinois Residential Mortgage License LMB #0005759 Cherry Creek Mortgage NMLS #: 3001 - Saint Charles, IL
Vice-President of National Production

Steve....kudos on this. I just wrote a similar post for Homescape.  I'm posting it here as well.  Needless to say, kudos to your testimonial.  Great results.  Great info and service will always get those results.  Congrats S.  I did give some helpful advice to your friend that you e-mailed me I did respond to Michelle Roethle's question as well.

Jan 14, 2009 12:14 AM
Gail Szeluga & JoAnna Siminerio
Coldwell Banker Realty - Manalapan/Marlboro - Manalapan, NJ
Fostering Community Spirit Through Real Estate

Another great post.

Your blog is such a great source of information for today's homebuyers... Financing 101!

Thank you for putting it all in one place, makes it easy for me to tell MY buyers where to find great information.

Jan 14, 2009 02:06 AM
Sheldon Neal
Bergen County, NJ - RE/MAX Real Estate Limited - Maywood, NJ
That British Agent Bergen County NJ

...very thorough ... and helpful ... as always !

..... glad to be a subscriber !

Jan 14, 2009 02:13 AM
Paul Howard
Cherry Hill, NJ
Paul Howard Realty, 856-488-8444

Steve,

Another great post - like the graph too.  I hope to do much more business with you.

Paul Howard

Jan 14, 2009 02:28 AM
Lisa Long
Heather Roda Broker - Paso Robles, CA

Great post. Its good to have useful information.

Jan 14, 2009 04:10 AM
Stephen Kappre
KW Hometown - Mantua, NJ
Helping You Home

Sorry buys - I'm getting here late ...

Larry - Thanks for being yuo!

JoAnna - You know where to send 'em :)

Sheldon - Very glad to hear. It helps that I enjoy reading your insightful posts

Paul - Ditto. Those that know you and have worked with you give you much credit. Thats always great!

Lisa - Good and VITAL. After all, knowledge isn't power, using it is.

Jan 20, 2009 06:04 AM
S&B Real Estate Team
Capstone Washington Real Estate, LLC - Vancouver, WA

Love the pie chart! Makes it easy to understand how we're being "judged" by the credit industry - and which points we should really be concerned about!

May 26, 2009 07:19 PM
Anonymous
Anonymous

Great post!

 

Also, business credit cards do not show up until they are 90 days delinquent so if anybody is maxed out and has business cards then transfer them and you will look debt free in the eyes of the scoring model.

 

Hope this helps!

 

Regards,

Frank

Aug 06, 2009 11:36 AM
#8