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There Are Several Factors
There are several factors that make up the credit score and your mortgage consultant can coach you through some basic strategies to improve your credit score. This means very conservative use of credit cards, paying off debt as much as possible and not applying for additional credit cards. Also, don’t close any existing credit accounts even if you don’t use them. Always take advantage of the free annual credit report from www.annualcreditreport.com (which is the only ftc approved credit reporting site) and start working on improving your credit scores several months prior to applying for a new loan.
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