Credit can be daunting to figure out, especially when you want to buy a house. Whether you have good credit or credit that needs some TLC, this video will help you set up a good game plan to raise and maintain your score.

In this video:
00:31 The biggest problem with credit
01:16 What is the target credit score you should aim for
01:33 Minimum credit score needed to qualify
01:48 Why FICO 640 will most likely get you a better deal
02:15 Difference between a soft pull and a hard pull
3:33 What is credit
4:38 Do you need credit to buy a house?
4:49 Manual underwriting
5:35 How to get credit if you don't have any
7:57 Bad credit and how to correct it
8:06 3 rules to build and maintain credit
8:29 Why paying on time is so important
10:53 How ratios affect your score
12:42 How to manage your accounts
13:46 Why you shouldn't close accounts
16:02 Recap of the 3 rules to build credit

How do I get and keep a good credit score? https://www.consumerfinance.gov/askc...

How do I dispute an error on my credit report? https://www.consumerfinance.gov/askc...

Hey, my name is Kyle and I'm a Mortgage Advisor serving Ohio and Tennessee. My goal is to help you get a crystalclear home loan that helps you win the house you love.

Start your preapproval at https://kyleseagraves.com

Kyle Seagraves
Mortgage Advisor

https://www.winthehouseyoulove.com/'>https://www.winthehouseyoulove.com/'>https://www.winthehouseyoulove.com/'>https://www.winthehouseyoulove.com/
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