In the market for a home? Whether it’s a palace or a fixer upper you better get your credit ready too.
Here are four steps to help you get your ducks in a row.
Step 1: Find out what others are saying about you. Two or three months before you’re ready to buy a home, get your credit report for free from this www.annualcreditreport.com.
Step 2: If you find anything wrong on your credit report, fight it. Report errors to the credit agency.
Step 3: Don’t open any new lines of credit. They’ll hurt your credit score.
Step 4: Stop using your credit cards. Sure, you might be thinking of new furniture, but now’s not the time to be racking up new debt.
With a little financial housekeeping now you’ll soon be having that housewarming party you dream of.
Do us a favor: Tell your friends about us so they can be smarter about their money too.