Credit Credit Credit

I have had tons of people ask about credit lately. Money is so cheap right and many more people are buying and refinancing.

Ways to increase your credit:
1. It's simple pay your bills on time. Especially never let a bill go more than 30 days late.
2. Don't have open credit cards with zero balances.
3. If you do choose to have credit cards make sure to keep the balance below half of the maximum amount allowed.
4. Keep an eye on your credit-know your credit. Make sure there isn't anything that is on your credit that isn't suppose to be there.

And something I learned myself is-make sure your lenders report to all 3 credit agencies. I recently learned that the lender that carries my major loan only reports to 2. That is why there was a difference in the 3 scores.