Some tips to either get your scores up or keep them up:

1) LATE PAYMENTS! A payment more than 30 days late is one of the most devastating hits your score can take. Plan ahead and try your hardest not to pass this 30 day mark. It can lower your scores up to 100 points almost immediately and in the end cost you thousands of dollars.

2) MAXED OUT! There is a common myth that running up your credit card every month and paying it off is a good idea. WRONG! This actually sends a message to the bureaus and lenders that you are not living within your means and need to max out your cards just to survive - NOT GOOD. The best practice is to use less than 50% (20% is even better) of your available credit each month.

3) NEW CREDIT/HOME LOANS! New lines of credit can damage your credit score, especially multiple lines of credit opened within a short period of time. When in the process of purchasing a home or just prior to applying for a home loan, new lines of credit can damage a person's score to the point of being the difference in getting approved or rejected for the home loan.

Visit our site or call today for professional help on getting your scores raised.

GUARANTEED CREDIT REPAIR STARTING AT $29.95!

http://twcreditrepair.com/

(281) 317-0330

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About the Blogger:

My name is Ozzie Ramirez and I am a local real estate broker in Pearland, Texas. I sell homes in the Greater Houston area, including Katy, Pasadena, Alvin, Friendswood, Humble, Missouri City, Sugarland, and Stafford. Since 2005 I have been helping people repair their credit in preparation for homeownership. I decided to get into credit repair when I realized that my credit was crappy, and I kept getting turned down by mortgage companies. The mortgage companies made me feel like garbage and I knew that I couldn't be the only person that felt this way. I was right. So, I started helping people accomplish their dreams of buying their first home and have been doing it ever since, with great success. I cannot wait to put my team of more than 30 real estate agents/credit repair specialists to work for you.