Hi  {first_name} 

Let's talk Credit Scores Today!
 
This topic is a big mystery for many people, we aren’t taught much if anything about credit in school yet it is something we all have, a credit score that is, but we just don’t know much about it.
 
Here is a CRASH COURSE for you!
 
Scores range from 300 to 900, the higher the score the better, this isn’t golf!
 
A good score is 680 to 700!
 
How do you build a good score and keep it?
 
PAY YOUR BILLS ON TIME, EVERY TIME!
 
Late payments are the quickest way to hurt your credit score and drive it downward.
 
Credit Utilization (Maxing Out Your Credit Cards) has the next biggest impact on your credit score. When you carry a balance on your credit cards greater than 50% of the limit the downward spiral begins. The closer to the limit the balance grows the greater the downward pressure on the score.
 
A depressed credit score can impact not only your ability to get a mortgage, it can impact the interest rate you are offered on a car loan or even if you can rent an apartment!
 
By the way, you need to have credit cards and use them. Having no credit can be almost worst then having bad credit.
 
There are several credit score apps out there. Just beware that the score they provide you rarely aligns with the score on the report that accompanies your mortgage application. Most often these apps report higher then the reports we pull to support your mortgage application.
 
Credit Matters!
 
You can reply to this email or use this LINK to book an appointment with me.
 
I look forward to speaking you in the next day or two! Thanks for booking your appointment!
 
Richard

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