🎉 Thank You for Entering Our Raffle!

We’re excited you took a step toward improving your credit and homebuying journey. Your entry has been received!

We’ll be drawing the winner on Monday, and the lucky participant will be contacted directly. Be sure to keep an eye on your email and phone—you might just be the one getting $50 off your credit repair service!

In the meantime, here are our Top 10 Mistakes That Are Tanking Your Credit Scores below—so you can start avoiding them today and get one step closer to your goals.

Good luck, and thanks again for entering!

Top 10 Mistakes That Are Tanking Your Credit Scores

(And Delaying Your House Buying Process)

1

Late or Missed Payments

1 - Late or Missed Payments

Making payments 30 day or more after the due date can severely damage your credit score significantly.

2

Unresolved Past-Due Accounts

2 - Unresolved Past-Due Accounts

The longer a payment is overdue, the more it hurts your score—especially at 60, 90, or 120+ days late.

3

High Credit Card Balances

3 - High Credit Card Balances

Using more than 10% of your credit limit can significantly reduce your score.

4

Credit Card Balances Too Low

4 - Credit Card Balances Too Low

Keeping newer credit cards under 1% utilization can actually reduce your score by limiting positive activity.

5

Closing Credit Card Accounts

5 - Closing Credit Card Accounts

Shutting down cards can shorten your credit history and lower your available credit—both of which can hurt your score.

6

Too Many New Accounts

6 - Too Many New Accounts

Opening and/or attempting to open multiple accounts in a short time can signal risk to lenders.

7

Not Using Credit Cards

7 - Not Using Credit Cards

When cards go unused, issuers may close them—hurting your credit history and lowering your score.

8

Overlooking Unpaid Bills

8 - Overlooking Unpaid Bills

Unpaid bills like medical, utility or phone bills can go to collections and appear on your report.

9

Not Having a Mix of Credit Types

9 - Not Having a Mix of Credit Types

Lenders favor a healthy mix of credit—like cards, loans, and mortgages—to show you can manage different types responsibly.

10

Not Having a Mix of Credit Types

10 - Not Having a Mix of Credit Types

Lenders favor a healthy mix of credit—like cards, loans, and mortgages—to show you can manage different types responsibly.

Ready to Take Control of Your Credit?

If you’d like more tips and personalized guidance to boost your credit score—or you're ready to work with experts who guarantee to get your score above 700—click the button below to schedule your free consultation today.