Prepare for the future


Pay you bills on time
Creditors always look for indications that the prospective borrower is a good credit risk: a person who will pay back his or her debts in a timely fashion. But that doesn’t mean your credit history must be perfect for you to qualify–few people’s are, after all. “Good” credit can include a few minor “dings” in your report, such as:

  • Up to two credit card payments 30 days late.
  • One installment payment, such as an auto or student loan payment, 30 days late.
  • No payments of any kind should be more than 60 days late and there should be no outstanding public record debts such as judgments or liens.


Keep your debt load reasonable
As a rule of thumb, non-mortgage debt payments should not exceed 10-15% of your take home pay each month.


Avoid unnecessary credit inquiries – they deduct points form your credit score


Whenever you authorize a creditor, employer, or other business to check your credit report, an “inquiry” is added to the report itself–a note that someone has checked your credit. Inquiries generally remain on your credit report for two years.


A lender considering you for a loan will look at the number of inquiries recorded there and when they took place. A large number of inquiries occurring in a short period of time may be interpreted as a sign that you are either:

  • Applying for lots of credit because of financial difficulty.
  • Overextending yourself by taking on more debt than you can actually repay.


Don’t let multiple lenders run a credit check. If you do, you may find that the lender of your choice now perceives you as a less solid credit risk and wants to charge a higher rate. We maintain a strong reputation for providing competitive rates and fees, we’ll help provide you the best loan available for your needs and goals.


Eliminate excess and/or unused credit
Just as a high number of inquiries suggests you may be overextending yourself, a lot of available credit means you have the capability to overextend yourself in the future, even if you have not done so in the past. Although people may perceive having several credit cards with high limits a sign that they have good credit, lenders may perceive them as a poor credit risk.




We are in the business of obtaining the best possible loan to meet your needs and goals, we are NOT in the credit repair business. You can remove erroneous information from your credit report by following instructions contained in this section of our website, or seek the help of a true professional, NOT a “Credit repairing agency” – that is the worst thing you can do!


This website section has been prepared for general information purposes only. The information in this section is not legal advice. Legal advice is dependent upon the specific circumstances of each individual situation. Laws may vary from state to state. We are not lawyers. We do not offer legal advice. The issues discussed on this site are the expression of the personal experiences of laypersons. Finally, the information contained in this section of the website is not guaranteed to be up to date. Therefore, the information contained in this section cannot replace the advice of competent legal counsel licensed in your state.


Disclaimer of Warranty.
The materials, information and forms available in this section of the website are provided without any warranties, express, implied or statutory. Any and all implied warranties of merchantability or fitness for a particular purpose are hereby disclaimed.

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