{"id":9652,"date":"2009-12-08T16:37:12","date_gmt":"2009-12-08T22:37:12","guid":{"rendered":"http:\/\/www.myfhamortgageblog.com\/?p=9652"},"modified":"2009-12-08T16:37:12","modified_gmt":"2009-12-08T22:37:12","slug":"improving-credit-scores-without-credit-repair-texas","status":"publish","type":"post","link":"https:\/\/dev203k.orbitwebx.com\/dev203k\/improving-credit-scores-without-credit-repair-texas\/","title":{"rendered":"Improving Credit Scores Without Credit Repair – Texas"},"content":{"rendered":"

\"\"<\/p>\n

While credit repair <\/a>in Texas is necessary for some, it’s not the only way to increase your credit score. Even if you have stellar credit, you can enhance your score through these steps:<\/p>\n

\u2022 Evenly distribute your credit card debt to change the ratio of debt to available credit. Let’s say you have a credit score of 665. If you have debt on only one card, and four additional credit cards with zero balances, evenly distributing the debt of the first card could move you closer, and possibly into, that ideal bracket.<\/p>\n

\u2022 Keep your existing accounts open and active. The average consumer is usually anxious to close credit card accounts that have zero balances, but doing this can cause them to lose the benefits of a long-term credit history and increase their ratio of debt-to-available credit<\/a>. The bottom line is don’t close those old accounts!<\/p>\n

\u2022 Keep credit inquiries to a minimum. Each inquiry into your credit history can impact your score anywhere from 2-50 points. When it comes to mortgage and auto loans, even though you’re only looking for one loan, multiple lenders may request your credit report. To compensate for this, the score counts multiple auto or mortgage inquiries in any 14-day period as just one inquiry, so try and stay within that time frame.<\/p>\n

Remember, credit scores <\/a>don’t change overnight. Improving them requires time and diligent effort on your part, so it’s a good idea to get the ball rolling at least three to six months prior to submitting your application for home financing.<\/p>\n

For more assistance on credit repair or to apply for a home loan please call me today.<\/strong><\/p>\n

Contact me <\/a>for more information<\/strong><\/p>\n

972-725-9110<\/p>\n

\n","protected":false},"excerpt":{"rendered":"

While credit repair in Texas is necessary for some, it’s not the only way to increase your credit score<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[86],"tags":[88],"class_list":["post-9652","post","type-post","status-publish","format-standard","hentry","category-credit","tag-credit-repair"],"acf":[],"yoast_head":"\nImproving Credit Scores Without Credit Repair - Texas<\/title>\n<meta name=\"description\" content=\"While credit repair in Texas is necessary for some, it's not the only way to increase your credit score\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/dev203k.orbitwebx.com\/dev203k\/improving-credit-scores-without-credit-repair-texas\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Improving Credit Scores Without Credit Repair - 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