KEEP YOUR CREDIT SCORES ABOVE 800

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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

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