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WHat is the easiest way to FIX your credit?

By
Real Estate Broker/Owner with Godzyk Real Estate Services NH License 033394

Everyone wants to know the SECRET to fixing their credit. FIRST thing is that you can not pay anyone to do what you can not for free yourself. Here in the Manchester NH area First time buyers and those looking to buy their next home all ask about how they can increase their credit score. 

 

 

The most obvious is ay every bill on time. The next most important tip, is make sure your balance are below half of what your credit limit is. When shopping for a home you should not open any new accounts. In addition you should not close any accounts as those accounts with zero balance really do build your score.

 

Lastly once per year you can get a free credit report by going to www.Annualcreditreport.com When selling a home, the more people that see it the better. My tried and true policy is to . Check you report and make sure it is correct. If it is not, you cn go to each of the 3 credit bureau's and dispute anything not correct.

 

 

THE BOTTOM LINE is that when you are ready to buy, you NEED to know that there is a Right way and a Wrong to buy or sell a home. This is an example of the wrong way.  One persons mess was anothers whole life. The other agent did not like the home and did not put forth any effort.  

 

The HARD TRUTH is that the BEST way to be prepared to buy or sell a home is by hiring a "GOOD" Agent. One that will guide you through each step of the Buying or Selling process. To the consumers who were successful, they found the secret which I would like to share with you. Free advice can be worth what you paid for it, so when you are ready, do it right. 

 

If you read all the way to hear, i hope you like my series of "catchy titles" They are meant to grab your attention and let Buyers and Sellers know how to avoid such pitfalls by simply hiring a better agent. One that will work with them throughout the buying and selling process. 

 

 

THE TOP TIPS TO FIND A "GREAT" REAL ESTATE AGENT

 

 1. LEARN THIS ONE FACT: One should know that All Agents are not created equal and every buyer or seller should take the time to hire the BEST not just the biggest Agent or Company. It is important to Hire the BEST Agent. In NH that could be me.   

2. CHOOSE THE RIGHT AGENT: As a Buyer OR Seller in this market you need every advantage you can to get your home sold. It starts with choosing the right agent. a. Ask for a Full time agent whose sole job is to sell homes. b. Ask for a Full service agent who will guide you through each step of the selling process. Discount brokers often equal discount services. c. Ask for a Local agent who knows your neighborhood and is readily available when you need them is a must. Out of town agents can leave you high and dry in your time of need. d. Ask for a well experienced Listing Agent can give you the advantages you need when selling your home. Not all agents are created equal. Choose only the best.  

 3. HOME BUYERS SHOULD START BY:  Getting a FREE PRE-QUALIFICATION with a local and trusted lender. They will look at your credit and financial picture and let you know what type of mortgage you may qualify for and what your interest rate and monthly payment may be.   

4. HOME SELLERS SHOULD START BYGetting a FREE MARKET ANALYSIS. Learn what your property is worth in today's market along with how ling it may take to sell. If you are ready to sell now, learn what you should ask for it. How much offers may come in at and what the approximate selling price should be. NH Home owners should contact me now.   

 

 

IN SUMMARY the key to having a successful purchase or sale can increase simply choosing a better agent. The secret is that All Agents are not created equal and every buyer or seller should take the time to hire the BEST not just the biggest. I leave you with now infamous philosophy, which is simple, to provide more personal and professional service to guide my clients through each step of the buying or selling process.

 

 

It does not take magic to turn your "For Sale" sign into a "Sold" sign. it takes a full time Local Agent who specializes in Listing homes like yours.


If you are thinking of buying a Home please contact us. Get a free pre-qualification along with some of the BEST CUSTOMER SERVICE through each step of the Buying Prices.

 

 

WE STRIVE TO PROVIDE THE BEST POSSIBLE SERVICE THROUGHOUT EACH STEP OF THE LISTING AND SELLING PROCESS!!!

 

If you need to sell your home and you owe more than your house is worth, i may be able to help. I specialize in working with home owners to get your home sold. There are many options such as a short sale which may be able to help you.

Please try and avoid out of state or out of town agents and companies that make "out of this world promises". We are local agents with experience who never charge any up front fees.

 

 

 

We are local agents with experience who GET RESULTS!!!

 

We stand by you through every step in selling your home.

 

Another reason that makes New Hampshire a great place to Live, Work and Play.

 

About the Author: Scott Godzyk is the Owner/Broker of the Godzyk Real Estate Services in Manchester NH. With 30 years of experience, Scott is a leading Agent for Listing and Selling Homes in this area. To CONTACT Scott Godzyk please call 603.661.2121 or EMAIL: Sctprop@aol.com . We are Full Time Agents ready to serve all of your Real Estate needs through each step of the buying and Selling process. We are proud to be locally owned and operated.

Comments(14)

Sandy Padula & Norm Padula, JD, GRI
HomeSmart Realty West & Florida Realty Investments - , CA
Presence, Persistence & Perseverance

Scott Godzyk My answer to your opening question would be, "Hit the Lotto?" Guess it's not the right answer! Too bad these 'Free Credit Reports' do not include the FICO Score. They try to sell it to us!

Feb 01, 2016 09:43 PM
Scott Godzyk
Godzyk Real Estate Services - Manchester, NH
One of the Manchester NH's area Leading Agents

So true Sandy Padula and Norm Padula, JD, GRI  . Most often for a home buyer, I let them know they can get it from the loan officer at no charge when being pre-qualifed.

Feb 01, 2016 09:46 PM
Lawrence "Larry" & Sheila Agranoff. Cell: 631-805-4400
The Top Team @ Charles Rutenberg Realty 255 Executive Dr, Plainview NY 11803 - Plainview, NY
Long Island Condo and Home Specialists

Know what your scores are before starting the process so that there's no disappointments!

Feb 01, 2016 09:47 PM
Scott Godzyk
Godzyk Real Estate Services - Manchester, NH
One of the Manchester NH's area Leading Agents

Well said Lawrence "Larry" & Sheila Agranoff. Call 631-805-4400 (c) but something hardly anyone knows they can do. That is why i am spreading the word

Feb 01, 2016 09:50 PM
Barbara Todaro
RE/MAX Executive Realty - Happily Retired - Franklin, MA
Previously Affiliated with The Todaro Team

Good mornng, Scott Godzyk .... credit is easier to ruin than it is to fix!!!  everyone needs to be careful with it and understand its value....

Feb 01, 2016 10:41 PM
Scott Godzyk
Godzyk Real Estate Services - Manchester, NH
One of the Manchester NH's area Leading Agents

That it is Barbara Todaro and so many think they can fix it just as easy as they wrecked it and learn a quick lesson. 

Feb 01, 2016 10:49 PM
Linda Guess
Keller Williams Tri-Lakes Branson, MO - Branson, MO
Branson area real estate sales.

It is pretty easy to have a good credit score unless unexpected problems arrise.  just do everything you stated.

Feb 01, 2016 11:00 PM
Doug Dawes
Keller Williams Evolution - 447 Boston Street, Suite #5, Topsfield, MA - Topsfield, MA
Your Personal Realtor®

Good Morning

The real answer Scott Godzyk is to be and stay as debt free as possible.

Feb 02, 2016 12:21 AM
Bill Roberts
Brooks and Dunphy Real Estate - Oceanside, CA
"Baby Boomer" Retirement Planner

Scott Godzyk You hit on the main points perfectly. That's all they need to do.

But I still don't understand WHY we let these lenders use FICO scores as a determinate of whether a person should get a mortgage or not. If they pay their rent on time month after month that should be good enough.

Bill Roberts

Feb 02, 2016 12:24 AM
Paul S. Henderson, REALTOR®, CRS
Fathom Realty Washington LLC - Tacoma, WA
South Puget Sound Washington Agent/Broker!

As always Scott Godzyk you have nailed this important question.

Feb 02, 2016 02:20 AM
Dick Greenberg
New Paradigm Partners LLC - Fort Collins, CO
Northern Colorado Residential Real Estate

Hi Scott - Your first point is a very important one - services that charge to "fix credit" are mostly huge ripoffs and people wind up in worse shape.

Feb 02, 2016 05:17 AM
Kathleen Daniels, Probate & Trust Specialist
KD Realty - 408.972.1822 - San Jose, CA
Probate Real Estate Services

Scott,  My response would be don't trash ones credit to start with ... that may not be easy for some folks. Paying people is the lazy way ... in most cases. That lacks fiscal responsibility, IMHO.

Feb 02, 2016 07:40 AM
Debbie Laity
Cedaredge Land Company - Cedaredge, CO
Your Real Estate Resource for Delta County, CO

Hi, Scott...you've offered some great advice here. Nice post. 

Feb 02, 2016 10:19 AM
Noah Seidenberg
Coldwell Banker - Evanston, IL
Chicagoland and Suburbs (800) 858-7917

Great thoughts on credit Scott. I personally follow a similar and never are comfortable being in debt.

Feb 02, 2016 10:44 AM