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3 Credit Tips | Oahu, Hawaii

Buying a Home

If you’re looking to finance your home in the next year, you need to hear this. This is Fawn Bertram with Homes by Fawn and Hawaii Life. These three tips will pay huge dividends to position yourself financially.

3 Credit Tips

First, keep all of your credit cards below of 50% of the credit limit, as credit report agencies will consider this to be a maxed-out card. Even better, try to keep them below 30% if you can.

Second, always pay your bills on time. A 30 day late payment can negatively alter your credit score between 60 and 110 points. So pay your bills on time.

Third, order a free online credit report. Third party credit reporting agencies and credit card companies often give incorrect information as to what your score actually is. Be sure you check your credit report for any discrepancies.

More Information

If you are looking to finance a home in the next year, find your local lender to go over your options. If you are interested in learning more or would like a list of lenders, please contact me, 808-439-1077. I would love to help answer any questions you have. Stay tuned or visit my website or Youtube channel with more helpful tips on the home buying and selling process. Like, comment and share with anyone you know who may benefit from these videos. Fawn Bertram with Homes by Fawn. Make it a great home buying and selling day. 

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