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Understand what impacts your reportrnrnAt all cost avoid anything negative reflected in your public records file includes leins, judgments and the like. Also avoid collections and chargeoffs if possible. Most lendors and creditors will disregard medical collections/debt. In regards to tradelines, lines of credit, ecetera. YOu really only need 3 or 4 total. Example if you have a car payment, student loan, mortgage payment, and credit card there really is no reason for opening up any other lines of credit. Pay bills in this order mortgage first or rent whichever is applicable, then your car payment and student loans and after that your credit cards. In the application process most consumer credit can be ignored in other words it is not as high as the mortgage payment priority. Keep your tradelines specifically credit cards under 45% usage. If you have multiple student loans consolidate them this will make your ratios look more appealing in consideration of your income. rnrnIf your credit is horrible feel free to contact me and I can get you additional tips to improve your credit score. I didn't want to bore everyone.
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