A Few Credit Tips

A Few Credit Tips

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. 


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Tami Houmiel Headshot
Phone: 803-606-8712
Dated: September 30th 2015
Views: 1,095
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EXIT Midlands Realty
PO Box 807
Chapin, SC