Credit Score Knowledge Eases Getting a Loan

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Credit Score Knowledge Eases Getting a Loan

Your credit score will determine you getting a loan whether you are a Boise resident looking for a home equity line of credit, a new mortgage or if you are just looking to refinance. A new survey just out shows that many of us are uncertain of what the major factors are that affect our credit score outcome.
The Consumer Federation of America is a nonprofit organization that releases reports designed to improve the above situation. One of their last reports show how little an average adult understands about their credit scoring and that of course is the key factor in getting a loan of any kind.
On the up side of the report, CFA says that most people who have obtained one or more of their own credit scores within the past year are better informed than those who have not. That is no surprise. They know that there are three large credit bureaus.
On the down side, it seems that more men misunderstand how age and marital status affect their credit scores. The women in this case are more informed. Men are more skeptical than women when it comes to the value of credit repair agencies. Maybe, it is because the women understand that in order to repair your credit you must pay all bills on time.
Here are some pointers that will help you in the Boise market:
1. Never max out your credit cards
2. Always Pay down your debt instead of just moving it around from account to account
3. Even if you are not planning on getting a loan make sure and keep track of your credit score.
If you are planning on buying or selling a house in the Boise valley in the near future, please let me help you. Call me anytime!

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