Know before you Go! Buy or Refinance. 1. Pay all bills on time each month. 30-day late payment can affect your credit score up to 107 points. 2. Do not quit your Job while in a Real Estate transaction. 3. Do not open or close any accounts, Do not purchase an Automobile (while in a real estate transaction and or credit repair) . 4. If you pay off a credit cards or an equity line of credit, do not close the account. 5. Try to keep your credit card balances below 30% of the High Credit Limit for that card (1 comments)