|
|
|
|
 |
|
1650 RUSSELL LEE DR. |
|
LOUISVILLE, KY 40211 |
|
LP. $169,975 |
Status |
ACTIVE |
|
|
 |
|
1455
CYPRESS ST |
|
LOUISVILLE, KY 40210 |
|
|
|
 |
|
3150
N. HWY 53 |
|
LA
GRANGE, KY 40031 |
|
LP. $475,000 |
Status |
ACTIVE |
|
|
 |
|
1115
WEEPING WILLOW |
|
LA
GRANGE, KY 40031 |
|
|
|
|
|
| |
9 Tips for Improving Your Credit Score
 |
RISMEDIA, November 14,
2009—Christine Van Tuyl and Margaret La Grange,
an award-winning mother-daughter team with
Prudential California Realty in Coronado, have
compiled their latest list, “Top Tips for
Improving Your Credit Score Now.” “Although
interest rates are at historic lows, you need to
have excellent credit to secure the best
possible rate,” said Christine Van Tuyl, real
estate agent. “Whether you’re looking to boost
an already good score, or if you have a
foreclosure or short sale on your record, it’s
never a bad time to improve your credit score.”
Top Tips to Improve your Credit |
1. Review your current credit report for accuracy.
Everyone is entitled to one free credit report per year
from each of the three credit bureaus—Experian, Equifax,
and TransUnion. Get a copy of your credit report and
look at it for accuracy. First, make sure that the
information in your file is about you and only you, not
someone who has a similar name or a similar Social
Security number. It is very common for your credit
reports to have mistakes or incorrect information. At a
minimum, make sure that the information you are being
evaluated on is current and correct.
2. Repair credit report mistakes. If you find
something on your credit report that is incorrect or
missing, you should dispute the mistake by contacting
the credit bureaus directly. All credit bureaus have
their dispute procedures on their website. They are also
required by law to investigate any disputed items and
these investigations will usually be done within 30 days
of your request.
3. Pay your bills on time. Sounds like a
no-brainer, right? Payment history accounts for roughly
35% of your credit score. Paying bills on time is the
most important thing to do. If you’re struggling to
catch up, contact your creditors to work out a payment
schedule.
4. Increase the length of your credit history.
This accounts for about 15% of your score. Don’t cancel
your old card or get a lot of new ones in a short time
span because this can hurt your score.
5. Keep credit card balances low. It’s a good
idea to keep the balances below 25% of your available
credit. Even if you pay off your credit cards every
month, a high average balance will impact your score.
This accounts for about 30% of your credit score.
6. Keep new credit requests to a minimum. This
accounts for 10% of your score. Every time a lender runs
your credit, an inquiry is recorded. If you are trying
to get a loan, don’t apply for new credit cards first.
7. Be aware that paying off a collection account will
not remove it from your credit report. It will stay
on your report for seven years.
8. Pay off debt rather than moving it around. The
most effective way to improve your credit score in this
area is by paying down your revolving credit. In fact,
owing the same amount but having fewer open accounts may
lower your score.
9. Beware credit-repair scams. By all means,
don’t pay someone to wipe away the negative items in
your file. If they don’t follow through, the damaging
items will reappear in two or three months.
Please keep in mind that Christine Van Tuyl and Margaret
La Grange are real estate agents, not mortgage lenders.
For more information on how your credit score will
impact your loan and interest rate, please contact your
mortgage lender.
About Christine Van Tuyl and Margaret La Grange
Christine Van Tuyl and Margaret La Grange are
award-winning agents with Prudential California Realty
in the Coronado Village office. A mother-daughter team
with San Diego family roots going back 75 years,
Christine and Margaret pride themselves on delivering
impeccable service for home buyers and sellers alike.
|
Click here to
start searching for your NEW HOME!!!
|
|
|
George
Blissett, REALTORS®, eRES, FTHBD, SRIS, SNCS,
SRS, MSS
Semonin REALTORS, 4967 US Hwy 42, Suite
100,
Louisville, KY 40222
Phone: 502.329.5268 Toll Free:
1.800.626.2390
©2001-2009 Semonin REALTORS. A
HomeServices of America, Inc. company. All
rights reserved.
Email:
webmanster@georgeblissett.com |
 |
|
