5 tips for improving your credit store

5 tips for improving your credit score

Whether you’re looking for a car loan, submitting a rental application or applying for a mortgage, it’s important to have a good credit score. If your current credit score is suboptimal, here are five things you can do to rebuild it. 1. Pay your bills on time. Always pay bills in full before the due date. If you can’t pay the total amount, at least make the minimum required payment. 2. Don’t max out your cards. It’s best to use no more than half of your available credit (for example, don’t put more than $500 on a credit card with a $1,000 limit). If you always max out your card, lenders will consider you a high-risk loan candidate. Also, never surpass your credit card limit. 3. Be a loyal customer. Don’t switch credit cards or financial institutions unnecessarily. The age of your credit history impacts your credit score.

4. Get credit checks infrequently.

If a lender or company files a request to view your credit report, which is known as a hard inquiry, it’ll impact your credit score. Conversely, checking your credit yourself, which is known as a soft inquiry, won’t affect your score.

5. Have multiple types of credit.

Using more than one type of credit (for example, a credit card, line of credit and mortgage) tends to improve your credit score. Just be sure that you’re able to pay back everything you borrow.

To get more advice about building up your credit score, reach out to a qualified financial adviser.

Call one of our real estate professionals at your local Howard Hanna office today! Call one of our real estate professionals at your local Howard Hanna office today!

OLD STYLE COLONIAL waiting for a new owner to return this 3BR, 1BA to its former glory. HW floors, wood-burning fireplace. A Must See! $99,000 SOLDLAKE LIFE Bring the fishing poles & relax. Two lots, one w/small cabin, one set up for RV w/ waterfront. Lots of possibilities! $70,000

MOVE-IN-READY With all the updates buyers are looking for! 3BR, 2BA, plus 2car garage. Walkable to Village offerings. $149,900

COLONIAL CHARM A wonderful home, full of history. 4300+ SF, 7BR, 4BA w/ HUGE carriage barn on 10 park-like acres. $349,000 James Michalowski 386-451-0064 Cell COUNTRY COTTAGE Completely renovated, move-in ready, one bedroom cottage w/full bath. Att’d garage, patio & covered porch. Walkable to Oxford veteran’s home. 15 minutes to Norwich. $89,900 James Michalowski 386-451-0064 Cell Don’t wait to buy real estate. Call me today for all your real estate needs!

Call Donna Schulz at 607-267-6330 Cell

RENOVATED RANCH! All systems have been updated! 2BD, 2BA that you can move right in. Do NOTHING but RELAX! Four season room w/great entertaining space out back. $139,000 Kattie Flanagin 607.316.9240 Cell

DOWNSIZE HERE! 2BR, 2BA is spacious with just WELCOMING RANCH Many updates have been enough yard for privacy and gardening if you like. done in this 3BR, 1.5BA home. Offers tons of $73,900 SOLDstorage & built-ins. $123,000

VILLAGE HOME

4BR/2BA SOLDw/Garage. $128,900

VERY CLEAN! Singlewide w/many updates: Windows, Carpet, subflooring, Bath & Furnace. Septic too! 2 sheds, blacktop driveway. $53,500 Call Joan Hale 607-206-8717 Cell Call Donna Schulz at 607-267-6330 Cell Don’t wait to buy real estate. Call me today for all your real estate needs! UNIQUE WATERFRONT Hear the waterfalls as WORK REMOTELY! Custom 4BD, 3BA home on 2.25 Acres. Finished walk-out basement, 3 outbuildings. Plus, HUGE 60x80 steel workshop for home business or store your classic cars. $259,000 Kattie Flanagin 607.316.9240 Cell Call Donna Schulz at 607-267-6330 Cell Don’t wait to buy real estate. Call me today for all your real estate needs! CUTE & COZY Move in! 2BD/Full bath upstairs. you relax on 6+ acres, in this 3BR home. Over Mud/Laundry room has new flooring. Level, fenced $$79K in improvements. $339,900 back yard. Includes shed. Paved driveway. $74,000

CUSTOM CONTEMPORARY Surrounded by 30+ acres. 3BR, 2.5BA home with w/lots of special features! $465,000

SOLD

Call Donna Schulz at 607-267-6330 Cell

MOVE-IN CONDITION 3/2 w/nice floor plan, updated electric, new roof & plumbing. Black top drive, 2-car garage. $101,000 Don’t wait to buy real estate. Call me today for all your real estate needs! LARGE BI-LEVEL. Offering 5BR, 2BA on a large lot. With a little finishing downstairs, you can call Call Joan Hale 607-206-8717 Cell this home! $159,000

STRAWBERRY FIELDS FOREVER! Or an Organic Farm. 73 Acres w/Apple tree orchard & blueberries. Become a creative farmer! $450,000 Richard “Dick” Koppenaal 607-437-2380 Cell

MAJESTIC CENTER HALL On over 5 manicured acres with babbling Thorp Brook. BEAUTIFUL MODULAR High ceilings, massive rooms, HW floors. 3BR, 2BA, w/CENTRAL

Opportunity to be a B & B again. $375,000 AIR. 4 season BONUS room. FULL basement, LOW TAX AREA. $250,000 Cindy Easler 607.287.3395 Cell