V.D

Consejos y técnicas
Pasos que puede seguir para maximizar su archivo de crédito durante y después de la restauración del crédito:

Pague sus facturas a tiempo

Debido a que su historial de pagos representa aproximadamente el 35% de su puntaje crediticio, un historial sólido de pagos a tiempo es clave. Un pago no realizado podría reducir significativamente su puntaje. Manténgase al tanto de las fechas límite de su tarjeta de crédito, préstamo y facturas de servicios públicos, haciendo al menos los pagos mínimos.

Here are the top five things that you look for in regards to credit: Tip #1 Credit Score.

You want to have at least a 580 credit score in order to be able to qualify for a loan.

Tip #2 Payment History

We need to be able to show proof of at least 12 months of you making on-time payments and not having any late payments in the last 12 months.

Tip #3 Liens and Judgments

Of course we don’t want to see any liens or judgments. We just don’t
want to see something we can’t overcome.

Tip #4 Bankruptcies, Short Sales, Foreclosures, Deed in Lieu

These are all things that do have a time period in which we have to wait to be able to overcome them.

Tip #5 Collection Accounts

We don’t want to have any collection accounts and the total of collection accounts cannot exceed two thousand dollars. This is not take into consideration medical collection accounts. Every loan program does have a different threshold.

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