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Credit scores and how they are calculated are a major component in the mortgage loan process. Our Licensed Loan Officers can help you understand your credit score and evaluate what actions you can take to possibly improve your scores. Get professional advice from a licensed mortgage loan officer before taking action. What may seem to be a good course of action may in fact lower your credit scores.

Top 3 Ways to Improve Your Credit Score

  1. Make sure your credit report* is accurate.

  2. Set a reminder to pay your bills prior to the due date.

  3. Control the amount of available credit you use.

Understanding what factors impact your credit score is important in today's market as credit scoring is used on a regular basis for determining the extension of credit to the cost of that credit.

  • Payment History – 35%

  • Debt Balance vs. Credit Limit – 30%

  • Length of Credit History – 15%

  • Types of Credit in Use – 10%

  • Inquiries – 10%


*You're entitled to a free copy of all three of your credit reports once a year under the Fair Credit Reporting Act.

You can access these reports on

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