KEEP YOUR CREDIT SCORES ABOVE 800
______________
EXCELLENT CREDIT DESERVES AN EXCEPTIONAL MORTGAGE RATE
✅ CREDIT CARDS: Pay Off Statement Balances OR ⚠️ Keep Balances < 30% of Credit Limit
✅ Build a “Mix” of Trade Lines - and use them!
Credit cards, auto, personal LOC, store cards, BNPL
✅ Don’t Close Old Accounts
Keep them open! Maintain longer credit history
✅ Limit Hard Pull Credit Applications
Too many hard inquiries can lower your score
✅ Dispute Errors on Your Credit Report
Review your credit report at annualcreditreport.com
✅ Ask for Credit Limit Increases
Call your credit card issuer once a year — they can do it without a credit check
Protect your credit - but also use it to save tens-of-thousands of dollars!
______________
If you have a long history of strong credit management, a single hard inquiry may have little—or even no—impact on your score. At worst, it's a temporary loss of a very few points.
The mistake is treating your FICO score like a priceless asset that must never be touched. The point of great credit is to use it when it saves you serious money—especially on your largest debt: your mortgage.
When shopping for a mortgage, multiple inquiries made within the 14-45 day applicable rate-shopping window are treated as a single inquiry for scoring purposes.
See exclusive low rates with no obligation.
No credits checks, no upfront fees, no SPAM.