credit scoreIf you’re planning on taking out a mortgage sometime in the next year in order to buy a new home, then one of the things you might want to focus on this holiday season is building up your credit score. Credit scores have a big impact on whether or not you’ll qualify for a mortgage loan and factor into how favorable the terms will be, such as how big of a down payment you’ll have to make and how much interest you’ll have to pay. The following are a few tips for boosting your credit score:

  • Avoid overspending – It can be easy to build debt on your credit cards, especially during the holidays. Make sure you keep track of how much you are using your credit cards and try to use cash whenever possible. If you’re trying to build your credit score, you’ll want to reduce your credit card debt. Ideally, you’ll want your balance to hover around 30 percent or less of the credit that’s available.
  • Avoid applying for more credit – Every time you apply for new credit, your credit score will take a hit that will last a year. This is the last thing you want if your gearing up for a mortgage application, so don’t open up any new lines of credit.
  • Pay your bills on time – Sticking to your budget is important because if you don’t, you may end up not being able to pay some of your bills. Paying your bills on time and in full will help boost your credit score, while late or missed payments will hurt it.

Good credit scores are vital to securing a home mortgage loan. Use these tips to give yourself the gift of good credit this holiday season.


Randy has enjoyed over 25 wonderful years in the Real Estate industry making dreams come true for homeowners.

Superior customer service is #1 to Randy and he provides this to all of his clients using knowledge, professionalism, integrity and persistence.

Randy is a successful and experienced real estate agent who expertly represents both buyers and sellers. Scores of Charlotte area residents have trusted Randy in the process of listing their homes to sell.

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