I wanted to take a moment to share some useful information on establishing and maintaining good credit scores.
Pay your bills on time, especially mortgage or rent payments. Apart from extreme circumstances like bankruptcy or tax liens, nothing has as much of an impact on your credit as a history of late payments.
Don't max out available credit on credit card accounts.This indicates you're having problems managing your finances.
Don't apply for too much credit in a short amount of time. Multiple requests for your credit history (not including requests you make to check your own status) can have a negative impact on your score.
Reduce the amount of debt you owe. On credit cards, keep your credit balance below 50% of the available credit amount to maintain your credit score, or below 30% of the available limit to improve your credit score.
Periodically check your credit history for errors. If you would like a free copy of your credit report, please contact me.
Please let me know if you have any questions regarding your credit. I would be happy to introduce you to someone I know and trust. Please give me a call if there's anything I can do to assist you.