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Want a Mortgage? Improve Your Credit Score!
By Jessica A Abbott

Your credit score is a number that's the first of the "three C's" of mortgage qualification, so it's important for it to show that you're a responsible person who does not overextend financially.

If it's a good-to-great score, excellent! But if it isn't, it can halt your mortgage process right away... and leave you wondering what you did wrong.

However you got your rating, if your credit score is less than stellar, don't despair. When I get a bad haircut, I remind myself that it will grow back. A bad credit score? Well, it's not written in stone, and there's a lot that you can do to improve it!

So what can you do to improve your score so that you can qualify for a mortgage?

The first thing you want to do is start by cleaning up your finances:

The first debt you want to get rid of is your credit card debt: it's the most expensive debt you've incurred, and the way that you deal with your credit cards shows lenders how you deal with your finances in general. In fact, it's probably a good idea to get rid of some of them: lenders don't like seeing too many credit cards accessible to you-it says to them that debt is a usual part of your life.

Next, pay off any major loans that you might have. Your car loan, for example; if you increase the amount of your payments or add additional ones, you can pay it off sooner-and it will cost you less.

Start putting money into a savings account. Mortgage lenders look at the depth of your resources: the more you have in savings, the happier they are.

Done? Terrific! Let's move on. The next step is to improve your credit:



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