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Insider Secrets
Insider Secrets To An Optimal Credit Score Yesterday we explained  the Basics of CREDIT scoring.  As a continuation, today we will address how you should prepare to apply for credit (like a home mortgage) understand that it is significantly better to have your best possible credit profile BEFORE applying. Working to improve your score during the mortgage process can be done, but there are two problems. One, time to clear up items can become an obstacle when compared the time you are anticipating a closing. And two, lower scores upfront can give an underwriter an additional reason to be uncomfortable with a file. “Sooner, rather than later” should be the mantra of credit score improvements. Here are some tested ways to do it: Credit Cards – Revolving Debt proportions Look on the credit report for revolving debt (not installment loans, or “open” accounts) As a general rule of thumb, the balance should be no more than 30% of the credit limit. So, if it’s more than that, have you should make every attempt to pay it down. If there are many revolving accounts with high balances, you will most probably need to pay down most or all of them for the best ... more

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