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Fact Sheet: 15 Reasons Why Your Score Is Low

Your credit score can be confusing. How do you know whether or not you have “good” credit or “bad” credit? It will benefit you to learn what influences your credit score, and what you can do to improve it.

Why It Matters

Your credit score is one of the most important tools creditors use to determine whether or not you are a good candidate for a loan or for a charge card. A poor score can prevent you from buying a house, or a car, funding a child’s tuition, or obtaining other types of credit.

What You Need to Know

Want to improve your credit score? Here are about 15 reasons why your credit score is not as high as it could be:

Recent late pay or delinquency on accounts.
Good credit accounts not reporting to all bureaus.
Incorrect balances on auto and mortgage accounts.
Authorized user accounts that have high balances or delinquency.
Not enough credit.
Account payment history is too new to rate.
Too many recent inquiries in the last 12 months.
Too many accounts opened in the last 12 months.
The balance-to-limit ratio on revolving accounts is too high.
Time since delinquency is too recent or unknown.
Amount past due on accounts.
Account reporting in Partial Payment Plan (includes Loan Modifications)
Account showing in dispute.
Variations in identification, name, or address information.
Fraud alerts on file.

Steps to Take

Pull your credit reports.
Check for any of the above items.
Dispute inaccuracies immediately with the credit bureaus.

In the Spotlight

Location, Location, Location

Where you buy not only affects the home’s current and future value, but it also affects your lifestyle.

How Many Houses Can You Afford?

I will make sure that you take the right steps to secure the best lending possible for your situation.

How I Can Help You

My credit expertise allows me to help my buyers get prepared for the loan transaction.

Eight Steps to Buying Your Home

We believe when it is done right, home ownership becomes an “intentional investment” .

Price Your Home to Sell

The objective is to find a price that the market will bear but won’t leave money on the table.

Eight Steps to Selling Your Home

A growing family may prompt your need for a larger home or a job opportunity in another city.

Fact Sheet: 15 Reasons Why Your Score Is Low

It will benefit you to learn what influences your credit score, and what you can do to improve it.

Get to Know Me

I truly believe that in any business, in order to service your clients at the highest of level of success and excellence, you have to step out of the typical box – and take your commitment beyond the sale or purchase of the product. This business for me, is about lifetime relationships.

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