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Building and maintaining your credit is important, especially for current and future homebuyers. Here are three tips to make sure you’re continuing to build and maintain your credit so that you’re fully qualified when the time comes:

1. Pay your bills on time. Anytime that you’re missing bill payments, especially by over 30 days, that’s reflected on your credit report and will cause your score to go down.

2. Limit your revolving credit card usage. The ideal usage is around 10%. However, the more you use your cards, the more your credit score will go down.

3. Consider a secured line of credit. This will essentially act like a credit card, but it requires you to make an upfront payment to a banking institution first. For example, if you give the bank $300 for a secured line of credit, they’ll give you that balance of $300 for you to use to build your credit. Once you're ready to take the next step, you can increase the amount of money you give them and the amount of money you can use. This is a great way to build credit if you don’t have any.

These are just a couple of simple, easy ways to build and maintain your credit. If you have any other questions or want any more tips, don’t hesitate to give me a call or send me an email. I look forward to hearing from you soon.