It can be difficult and challenging to change your credit score in the time between when most people decide to buy a home or refinance their mortgage and when they apply. Be consistent and try and keep your credit score in good standing so lenders can avoid having to play games or ‘work the system’ to upgrade your credit. There are strategies you can live with to make sure when you apply for a loan your score is as high as possible. The two main components of your credit score are your payment history and the amounts you owe. It’s never a good idea to take on more credit than you can handle and it’s extremely important to pay your bills on time, even if it’s only the monthly payment. Do not “max out” your credit lines. Since the size of the balance on your open accounts is a factor, lower balances are better. Our team understands the credit science and can assist you with all your questions and concerns. It is possible to add as much as 50 points a year by carefully managing your credit. We can show you how.