Everyone is entitled to a free credit report from the three major credit reporting agencies (Equifax,Experian and Transunion) once per year. You can request your credit report at the FTC-sponsored website, Annualcreditreport.com 

​

• Making your credit payments on time is one of the biggest contributing factors to your credit scores. 

• Reduce the amount of debt you owe by not using your credit cards. Credit cards are a major contributing factor for people with poor credit.

• A mortgage Pre-Qualification can be useful as an estimate of how much you can afford to spend on your home, but a Pre-Approval is much more valuable because it means the lender has checked your credit and verified your documentation to approve a specific loan amount

• In real estate, experience means a lot. Though there are no guarantees in life, if you hire an experienced agent, there's a better chance that they've seen it all before.

• Experienced real estate agents will be more familiar with how to walk you through the buying or selling process and how to handle any problems that may crop up during the course of your transaction.