Your credit and buying a home for sale in Houston

Your credit and buying a home work together. Let's face it without good credit the likelihood of you owning a home is very limited. However, you can take charge of your credit with just a few simple things that can change your scores drastically. Now, first let me say if you are looking for a 100+ score increase overnight, it's not going to happen. Just as it took time for you to accumulate bad credit, it's going to take time, work and effort on your part to move toward having good credit.

We've all been there; made bad choices in our youth, student loans, divorces, let go from work, living payday to payday, payday loans and the list just goes on and on and on, but if you believe you are not defined by your past mistakes then there is a better and brighter credit future awaiting for you.

Here are some simple steps to get you started (suggestions no required):

Pay down your debt! Yes, having low balances on your credit cards (below 30%) increases your score because it shows you are responsible when you are extended credit.

Credit Cards are a must! Yes, you must have two open lines of credit. Not having any credit cards you are missing out on the points that are available for you.

Student Loans! No matter how old they don't just go away. In order to get a government backed loan you must be in good standards with the government i.e. student loans. Call them and get back on track.

Disputes! Stop paying a $100 a month or more to file disputes when you can dispute these items yourself for free. Get your FREE annual credit report online and follow the instructions

Pay your debt ON TIME! Paying your debt on time is key. Who wants to loan someone a $100000.00 if they can't pay a $500 credit card on time (just makes sense)

Co-signers beware! Have you co-signed for someone? Well you are on the hook for that debt. Try to get removed from it if at all possible and quick.

These are just something's we have found that work but it takes time. We are not a credit repair company but these are just minor things that if you do them with time you will be on your way to Home Buying Credit.

If you want to find out more or come into the office give us a call and we can see how we can be of assistance to you. GOD'S PROPERTY REALTY Faith Floyd, REALTOR® Licensed Real Estate Broker/Owner 10101 HARWIN DR SUITE 175 HOUSTON TX 77036 Direct (281) 743-0243 | Fax (866) 731-9435 | WWW.GODSPROPERTYREALTY.COM LOVE BUILDS THE HOUSE AND GOD KEEPS IT...