Episode 3- Credit Tings
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Episode 3- Credit Tings
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In this episode, a third-grade teacher makes a shocking discovery about her credit score in the middle of trying to buy her first home!
Gayle’s Credit Tips on Living Right 😊
- Pay your bills on time and in full. PAYMENT HISTORY is the biggest factor in the credit score algorithm.
- Keep CREDIT UTILIZATION low. This means that you should never let you balance get higher than 30% of your credit limit- no matter how big or small that limit may be.
- Don’t close revolving accounts (credit cards) as you pay down the balances or pay them off. This will impact the length of your credit history.
- Be mindful of how often you are applying for new credit.
Paige’s advice for anyone getting ready to buy their first home within the year:
- Pay attention to your credit score. You’ll need at least “Fair” credit to get approved for a home loan.
- Understand how home prices can vary from area to area for similarly sized homes.
- If it doesn’t happen within the year it’s okay. When it’s the right time, it will happen!
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