Q: How Can You Improve Your Credit Score?

Here are some easy ways to improve your credit score.

We always hear how important our credit score is, but how does it work? 
Bad credit is usually acquired by missing payments or defaults. First, let’s talk about missing a payment. It’s one of the most important things to watch in your life. It’s crucial to pay your bills on time if you want to improve your credit score, particularly your house payment. 

You should make every effort to get this paid on time, especially if you plan on buying a home in the future. It can take up to nine months to recover from just one missed payment.

"If you’ve gotten a paycheck loan, this will negatively impact your score in the near future."


Additionally, it’s important to keep a close eye on your credit card balances. The balance should be no greater than 50% of your limit at any given time. 

You should be checking your credit score every year. If it’s around 750 or higher, you’ll get the best interest rates on loans, insurance, etc. The rules have changed a little bit lately, particularly if you’re someone who gets paycheck loans. The new credit score rules will take this into account and can affect your score in a negative way.

If you’d like to learn more about how to build your credit or improve it, we’d be happy to connect you with an expert in the area who can help answer your questions. If you have any other questions related to real estate, don’t hesitate to give me a call or send me an email. I look forward to hearing from you soon.
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Q: What Are Some Ways I Can Protect My Home?

Here’s how to keep your property well-monitored so you can sleep easy.

There are four great tech tools you can employ to make your home safer:

1. Home security system. In this day and age, there are so many options available. There are portable devices available on the market, as well as systems that get fully wired into your home. Perhaps most convenient are the systems you can manage through apps on your smartphone. Since there are so many different options to choose from, consumers can find a decent security system for a relatively low cost.

2. Smart locks. Gone are the days you needed to have a physical key in your hand at all times. Now, you can set complex number and letter combination codes to unlock your door. If you’re at work but forgot to unlock the door for a scheduled appointment with an exterminator, for example, you can unlock your door remotely via your phone, and lock back up when the job’s done.

3. Smart lighting. Maybe it’s a late night at the office, and you don’t necessarily want to advertise that you’re still not home yet; you can once again use your phone to turn on all or some of the lights in your home. It adds a level of security, but also convenience—no one likes fumbling around for keys or light switches in the dark.

4. Security cameras. Whether it’s a Ring doorbell so you can know who’s knocking no matter where you are, cameras around the perimeter of your house, or anything else that can help you record activity on your property, investing in security cameras is such a fantastic thing to do.

If you have questions about these security measures or anything else concerning real estate, please call or email us. We would love to speak with you.
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