Credit, Credit, Credit – Do you know what is on your credit report ? I have had several clients who believed their credit was in good shape, only to find  their scores were much lower than anticipated. Some of the common factors which lower credit scores are as follows:

1. Too many inquires by credit card companies and other related consumer credit agencies.

2. Erroneous items on your credit report. Identity theft and clerical errors can create major headaches.

3. Outstanding balances too high relative to their limits. Try to keep your balances under 40 % of the limit amount. Please feel free to call with any questions regarding your credit.  

Information by Bob Gonzales with First Choice Mortgage. 

You can reach Bob at 909-957-3884

 Brought to you by Randy Charlton of Century 21 Home Realtors.