Home Depot Credit Card Application

three ways to improve your creditbefore you go home shopping hi everybody dave sullivan here for the credit guy tv and more than ever it is important to you peek yourscore before you get pre-approved or apply for a loan 700 credit score isno longer good enough so you really want to do is peak your score and i am going to give you three ways really peek your score before a loan application and you shoulddo these things prior to applying one is

Home Depot Credit Card Application, to pay down your credit card balances5 9 percent and you need to do that before the statement date before thestatement date if you want more information about that you click here to tell you todo is go through your credit report you get free at annual credit report .com look for accounts that have become dormant credit cards that you haven't used in a while if they're

in good standing and have never been late and we try to reactivate those so let's say you had a home depot or lowes accountthat you have not used in a few years if you can charge something a small amount 5-9percent on that credit card you benefit from that long credit history it is very important that you have as many good standing accounts available prior to applying for a loan as you canreactivate those older accounts and bring them back to life it will really helpyour credit score the third thing i want to tell you about is if you are marriedor if you're playing jointly and you can help out your spouse by adding them togood credit cards when you apply for a mortgage they look at the mid score ofthe lower spouse's credit reports so all credit reports

have three scores lenders for amortgage use the middle score and they used to lower middle score of the twopeople applying if you have one the two of you with lower credit and you can add and to an account thatyou had for a long time that is great way to do it now authorized users ok but more and moreunderwriters are even requiring that they be a fully account holder so you can add them as a full account holder to an account that you had in good standing for a long timethat's what i do tell you to do pay your balances down to 5 to 9 percent before the statement date help your spouse out by

adding them to a good credit card andthen reactivate older accounts that are dormant only if you can reactivate withoutapplying again so don't let them pull a new credit report just charge something small on that dormant credit card. i want to let you guys all know and thanks for being a fan for solong if you have been following me i appreciate that but i have added something to my services which is myreal estate license. so if you're in the mortgage market specifically in themetro detroit area please consider giving me a call for any real estate needs you may have. if you are outside of michigan the company i work for is part of a greatnetwork of independent realtors all over the country and we're a memberof this organization so many

times when people start to shop for a home they don't talk to more than one realtor so you'd like to talk to more thanone realtor if you know somebody you should really interview two or three people, if you click on the real estate button on my website there is a form there thatyou can fill out and then we'll go to an individual is dedicated to finding youthe correct realtor in your market fill out form out she will sendover a contact for you in your market that is an expert and then she will follow upwith you to make sure you're happy with specific realtor if you're not then shewill find you another one it is a great service and doesn't costanything so check for the real estate

link on my website you can follow thatlink directly to the form and fill out the form and hopefully will set you up withthe right realtor alright this is dave sullivan with the credit guy tv show you alittle bit of me we're going to change the credit industry the accredited

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