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 If you came to us and asked what would be the most important thing you could do to help yourself prepare for your next mortgage, what would we say? Well, it’s something we have been preaching, and I’m sure you’ve been hearing in the media for some time. The answer is credit improvement. It’s the foundation of your financial being and it can save you money in so many other ways if you just take advantage of the opportunity. Great credit scores simply mean you pay your obligations, are a low credit risk, and worthy of consideration. Great credit can be enjoyed by everyone willing to make the necessary choices. It is a battle you can win no matter what the current circumstance.

SO, WHAT’S IN IT FOR ME – to have great credit? It’s quite simple.              

1. Saves money (lower rates and insurance premiums)
2. Qualifies you worthy of credit cards, utilities, cell phone, etc.
3. Job opportunities (many employers check credit reports)

Those three bullet points are exactly what I’m talking about when I say “your financial being”. So now we have an understanding that working on your credit deserves attention, but so many ignore it until it’s too late. It’s kind of invisible and taken for granted like breathing clean air. You may not know it’s a problem until something bad happens and then it’s too late. Don’t wait until your next auto purchase or insurance quote or mortgage to pay attention to your credit. DO IT NOW!

WHAT SHOULD I DO TO WORK ON MY CREDIT? That’s a great first question and there’s a simple answer. Commit some time and money to get started. Actually, the amount of time and money can be very minimal. Take the time and invest the money to pull your credit report. Depending on your situation, the time can be a few minutes and the money can be well under $25. It just depends on how extensive your credit history may be. Here are some tips for getting your credit report:

1. www.annualcreditreport.com (may have to pay for  scores)
2. Contact us for a report at cost, complementary time

So, now that you have pulled credit there are several questions that will need to be answered. We are going to address the general questions in a series over the next few months. Next month we will be answering what we believe are the top ten questions people have when reviewing their credit. Stay tuned…