A few credit tips for you... If you need to establish more credit or need to fix a few blemishes on your credit... You can get a jump start by doing the following:
1. Consolidate your student loans. Many do not realize that each semester when financing is obtained, it appears as a separate loan entry on your credit report each time. So, contact your student loan administration and request that they consolidate these all into one for your credit report purposes and they will. Once consolidated, it does not appear to be several outstanding loans, but rather just one loan which helps your debt ratio for lending needs.
2. If you need to establish credit, start with one or two small limit credit cards, and use those for buying things like your groceries or gas for your car. However, make sure to take that cash in your pocket you would normally use for these types of purchases and pay the credit balances immediately. This will help show revolving credit in good standing and will establish a good paying relationship which is always helpful in future lending needs.
If you need more tips or looking to buy a home, give me a call today and let's get started!
Serving Columbia, Chpain, Lexington, and surrounding areas: Tracy Butler, Exit Midlands Realty, an agent dedicated to your home buying and selling needs.
Author:Braden Campbell Phone: 803-609-7641 Dated: September 30th 2015 Views: 859 About Braden: Let me start off by saying how proud I am to be a part of the SC Exit Realty family. After being ...
Chapin, SC is known as "The Capital of Lake Murray" and with good reason. The residents of Chapin enjoy a relaxed lifestyle with the convenience of the city. Columbia, SC is just a quick 20 minute drive and shopping is even closer.You are embarking on an exciting journey, be sure that you find agents that will take time and share your enthusiasm during this process.
EXIT Midlands Realty is a full service real estate firm dedicated to assisting our clients with the purchase and sale of real estate in the Greater Columbia Area. We were founded in 2005 and quickly grew into one of the most innovative and knowledgeable firms in and around Columbia. Our staff is made up of full time professional agents that are dedicated to the profession of listing and selling real estate.
Call one of our experienced agents to assist you with your real estate needs. It would be an honor to work with you.
"Sarah helped us rain or shine! She was very thorough and not pushy at all. I have already recommended her to several people looking for homes. Our family looked for homes for a solid year before we finally found the right place. Sarah took her time with us and always had an answer to any question we had. If it weren't for her, we would not be living in our very first home! Thank you so much!"