4 Simple Steps to Increase Your Credit Score

4 Simple Steps to Increase Your Credit Score

You already know what credit score you need in order to qualify for a mortgage. That’s not what we are here to talk about. Let’s set aside your credit score for a minute and talk about what steps you need to take in order to get the best interest rate for the loan. Your credit score determines your monthly payments. You might have been told that even with a low credit score, you can afford a home for sale in Atlanta, Sandy Springs. It’s true!

A low credit score will get you a loan, albeit after much struggling, but the problem that you will encounter here are the high monthly payments. Since you have a low credit score, the lender sets a high interest rate because of your unstable payment history. Consider the slight increase as a form of insurance because the lender needs to protect himself too.

Now that you are all caught up on how the credit score works, let’s have a look at the four steps that will help you boost your credit score:

1. Check Your Credit Report

The top three credit reporting agencies in the US are TransUnion, Equifax, and Experian. Every year, you are entitled to a free credit report from these agencies. However, if you are getting the report twice in a year, all three together will cost you around $40. The reason why you need to get the current credit report before applying for a loan for a home for sale in Atlanta, Sandy Springs is to make sure that there are no false charges on it. This mistake is the reason why your credit score is low and you need to report it immediately to the concerned department. Once you are done with this, you can proceed to the next step.

2. Pay Accounts That Are Overdue

One of the worst things about overdue balance is that it keeps adding negative points to your credit score. The key is to get your account current, so that you can speed up the positive score. A negative score tells the lender that you are a reckless spender with no plans in sight on how to keep up with the payments.

3. Use Less Credit

Let’s assume that you have a credit limit of $3,000, Carrying a balance of $2,000 will not do you any good. As you know, you need to keep your income and your monthly utility bills in mind before approaching a lender for a loan, the same way you need to create a balance between your balance and credit. Try keeping your credit card spending to less than 50% of your account balance. Another thing you can do is to get your credit increased, but make sure to curb your spending or you will be back to square one.

4. Avoid Closing Any Accounts

If you are in debt and there’s a high balance on one of your credit cards, then don’t close them. This will leave the negative score as it is. Why not keep this account for small auto pay payments such as Netflix, your gym membership, and other charges.

Follow these steps, and you will be able to improve your credit score within six months. Remember: the higher the credit score, the lower the interest rate and the faster you will be able to make the monthly payments. Need to get a home for sale in Atlanta, Sandy Springs appraised? Head on over to America’s Network Realty Group Inc. and get a quick appraisal from our experts.

Homes for sale in Atlanta

Price
Beds
Baths
For Sale / All Types
New Listing - 2 weeks online
$469,000
Single Family Home For Sale
Active
5
BED
5
TOTAL BATHS
4,057
SQFT
3434 Concord Loop
Atlanta, GA 30349
Walden Park Subdivision
$294,990
Single Family Home For Sale
Active
4
BED
4
TOTAL BATHS
2,635
SQFT
7107 Demeter Drive
Atlanta, GA 30349
Camden Manor Subdivision
$279,990
Single Family Home For Sale
Active
3
BED
2
TOTAL BATHS
1,802
SQFT
673 Python Drive
Atlanta, GA 30349
Camden Manor Subdivision
$324,990
Single Family Home For Sale
Pending
5
BED
4
TOTAL BATHS
3,363
SQFT
7064 Demeter Drive
Atlanta, GA 30349
Camden Manor Subdivision
$287,990
Single Family Home For Sale
Active
4
BED
4
TOTAL BATHS
2,635
SQFT
7067 Demeter Drive
Atlanta, GA 30349
Camden Manor Subdivision
$329,990
Single Family Home For Sale
Pending
6
BED
4
TOTAL BATHS
3,363
SQFT
663 Python Drive
Atlanta, GA 30349
Camden Manor Subdivision
$289,990
Single Family Home For Sale
Active
4
BED
4
TOTAL BATHS
2,635
SQFT
7027 Demeter Drive
Atlanta, GA 30349
Camden Manor Subdivision
$289,990
Single Family Home For Sale
Active
4
BED
4
TOTAL BATHS
2,635
SQFT
6997 Demeter Drive
Atlanta, GA 30349
Camden Manor Subdivision
$324,990
Single Family Home For Sale
Pending
5
BED
4
TOTAL BATHS
3,363
SQFT
6954 Demeter Drive
Atlanta, GA 30349
Camden Manor Subdivision
$2,900,000
Single Family Home For Sale
Active
7
BED
9
TOTAL BATHS
15,159
SQFT
4690 Thompson Road
Atlanta, GA 30349
 
$8,900,000
Single Family Home For Sale
Active
9
BED
14
TOTAL BATHS
26,000
SQFT
4965 Butner Road
Atlanta, GA 30349
 
$310,235
Single Family Home For Sale
Active
4
BED
3
TOTAL BATHS
2,443
SQFT
555 Dutchview Drive
Atlanta, GA 30349
WHISPERING WILLOWS Subdivision
Short Sale
$195,000
Single Family Home For Sale
Pending
4
BED
3
TOTAL BATHS
2,639
SQFT
432 Hammock Loop
Atlanta, GA 30349
 
New Listing - 2 weeks online
$282,112
Single Family Home For Sale
Active
4
BED
3
TOTAL BATHS
2,545
SQFT
7147 Glaspie Way
Atlanta, GA 30349
Kingsland Subdivision
$287,571
Single Family Home For Sale
Active
4
BED
3
TOTAL BATHS
2,523
SQFT
3220 Camden Court
Atlanta, GA 30349
Kingsland Subdivision
$273,053
Single Family Home For Sale
Active
4
BED
3
TOTAL BATHS
2,260
SQFT
3225 Camden Court
Atlanta, GA 30349
Kingsland Subdivision
New Listing - 2 weeks online
$292,182
Single Family Home For Sale
Active
4
BED
4
TOTAL BATHS
2,545
SQFT
3217 Camden Court
Atlanta, GA 30349
Kingsland Subdivision
$274,803
Single Family Home For Sale
Active
3
BED
3
TOTAL BATHS
2,260
SQFT
3204 Camden Court
Atlanta, GA 30349
Kingsland Subdivision
$284,173
Single Family Home For Sale
Active
3
BED
3
TOTAL BATHS
2,260
SQFT
7139 Glaspie Way
Atlanta, GA 30349
Kingsland Subdivision
$290,419
Single Family Home For Sale
Active
6
BED
4
TOTAL BATHS
2,680
SQFT
7135 Glaspie Way
Atlanta, GA 30349
Kingsland Subdivision
$310,500
Single Family Home For Sale
Pending
5
BED
3
TOTAL BATHS
3,033
SQFT
510 Dutchview Drive
Atlanta, GA 30349
WHISPERING WILLOWS Subdivision
New Listing - 2 weeks online
$312,089
Single Family Home For Sale
Active
5
BED
3
TOTAL BATHS
2,680
SQFT
3221 Camden Court
Atlanta, GA 30349
Kingsland Subdivision
New Listing - 2 weeks online
$279,353
Single Family Home For Sale
Active
3
BED
3
TOTAL BATHS
2,260
SQFT
3216 Camden Court
Atlanta, GA 30349
Kingsland Subdivision
New Listing - 2 weeks online
$307,071
Single Family Home For Sale
Active
4
BED
4
TOTAL BATHS
2,545
SQFT
3208 Camden Court
Atlanta, GA 30349
Kingsland Subdivision
Open House 02/22 at 1PM
$282,508
Single Family Home For Sale
Active
5
BED
3
TOTAL BATHS
2,487
SQFT
3200 Camden Court
Atlanta, GA 30349
Kingsland Subdivision
$327,527
Single Family Home For Sale
Pending
5
BED
3
TOTAL BATHS
3,077
SQFT
455 Dutchview Drive
Atlanta, GA 30349
WHISPERING WILLOWS Subdivision
$239,900
Single Family Home For Sale
Pending
4
BED
3
TOTAL BATHS
1,972
SQFT
400 Dutchview Drive
Atlanta, GA 30349
WHISPERING WILLOWS Subdivision
$245,700
Single Family Home For Sale
Pending
5
BED
4
TOTAL BATHS
2,404
SQFT
3492 Dacite Court
Atlanta, GA 30349
Flat Shoals Manor Subdivision
New Listing - 2 weeks online
$201,790
Single Family Home For Sale
Pending
3
BED
3
TOTAL BATHS
6558 Beaver Creek Trail
Atlanta, GA 30349
College Heights Subdivision
$194,990
Single Family Home For Sale
Pending
3
BED
3
TOTAL BATHS
6526 Beaver Creek Trail
Atlanta, GA 30349
College Heights Subdivision
$206,490
Single Family Home For Sale
Pending
4
BED
3
TOTAL BATHS
6562 Beaver Creek Trail
Atlanta, GA 30349
College Heights Subdivision
$205,490
Single Family Home For Sale
Pending
4
BED
3
TOTAL BATHS
6517 Beaver Creek Trail
Atlanta, GA 30349
College Heights Subdivision
$206,990
Single Family Home For Sale
Pending
4
BED
3
TOTAL BATHS
6577 Beaver Creek Trail
Atlanta, GA 30349
College Heights Subdivision
$205,490
Single Family Home For Sale
Pending
4
BED
3
TOTAL BATHS
6509 Beaver Creek Trail
Atlanta, GA 30349
College Heights Subdivision
Price Change - 2 weeks ago
$210,990
Single Family Home For Sale
Active
4
BED
3
TOTAL BATHS
6501 Beaver Creek Trail
Atlanta, GA 30349
College Heights Subdivision
$204,990
Single Family Home For Sale
Pending
4
BED
3
TOTAL BATHS
6522 Beaver Creek Trail
Atlanta, GA 30349
College Heights Subdivision
Price Change - 2 weeks ago
$210,990
Single Family Home For Sale
Active
4
BED
3
TOTAL BATHS
6506 Beaver Creek Trail
Atlanta, GA 30349
College Heights Subdivision
Price Change - 2 weeks ago
$256,790
Single Family Home For Sale
Active
5
BED
3
TOTAL BATHS
6538 Beaver Creek Trail
Atlanta, GA 30349
College Heights Subdivision
$259,490
Single Family Home For Sale
Pending
5
BED
3
TOTAL BATHS
6574 Beaver Creek Trail
Atlanta, GA 30349
College Heights Subdivision
New Listing - 4 weeks online
$220,490
Single Family Home For Sale
Pending
5
BED
3
TOTAL BATHS
6542 Beaver Creek Trail
Atlanta, GA 30349
College Heights Subdivision
$219,490
Single Family Home For Sale
Pending
5
BED
3
TOTAL BATHS
6546 Beaver Creek Trail
Atlanta, GA 30349
College Heights Subdivision
$218,990
Single Family Home For Sale
Pending
5
BED
3
TOTAL BATHS
6513 Beaver Creek Trail
Atlanta, GA 30349
College Heights Subdivision
Price Change - 2 weeks ago
$222,990
Single Family Home For Sale
Pending
5
BED
3
TOTAL BATHS
6518 Beaver Creek Trail
Atlanta, GA 30349
College Heights Subdivision
Price Change - 2 weeks ago
$222,990
Single Family Home For Sale
Active
5
BED
3
TOTAL BATHS
6498 Beaver Creek Trail
Atlanta, GA 30349
College Heights Subdivision
Price Change - 2 weeks ago
$222,990
Single Family Home For Sale
Active
5
BED
3
TOTAL BATHS
6510 Beaver Creek Trail
Atlanta, GA 30349
College Heights Subdivision
$258,990
Single Family Home For Sale
Pending
5
BED
3
TOTAL BATHS
6566 Beaver Creek Trail
Atlanta, GA 30349
College Heights Subdivision
$219,490
Single Family Home For Sale
Pending
5
BED
3
TOTAL BATHS
6505 Beaver Creek Trail
Atlanta, GA 30349
College Heights Subdivision
$219,490
Single Family Home For Sale
Pending
5
BED
3
TOTAL BATHS
6453 Beaver Creek Trail
Atlanta, GA 30349
College Heights Subdivision
New Listing - 2 weeks online
$244,790
Single Family Home For Sale
Active
4
BED
3
TOTAL BATHS
6570 Beaver Creek Trail
Atlanta, GA 30349
College Heights Subdivision
$165,990
Single Family Home For Sale
Pending
3
BED
3
TOTAL BATHS
1,800
SQFT
6857 Estepona Street
Atlanta, GA 30349
Heritage Park Subdivision
$162,490
Single Family Home For Sale
Pending
4
BED
3
TOTAL BATHS
1,800
SQFT
6690 Mancha Street
Atlanta, GA 30349
Heritage Park Subdivision
$167,490
Single Family Home For Sale
Pending
4
BED
3
TOTAL BATHS
2,000
SQFT
2205 Creel Road
Atlanta, GA 30349
Heritage Park Subdivision
$169,490
Single Family Home For Sale
Pending
4
BED
3
TOTAL BATHS
2,000
SQFT
6735 Mancha Street
Atlanta, GA 30349
Heritage Park Subdivision
New Listing - 2 weeks online
$233,512
Single Family Home For Sale
Active
3
BED
3
TOTAL BATHS
1,950
SQFT
5081 Rapahoe Trail
Atlanta, GA 30349
Parkway Villages Subdivision
$241,470
Single Family Home For Sale
Pending
4
BED
3
TOTAL BATHS
1,976
SQFT
5066 Rapahoe Trail
Atlanta, GA 30349
Parkway Villages Subdivision
$232,965
Single Family Home For Sale
Pending
3
BED
3
TOTAL BATHS
1,920
SQFT
5064 Rapahoe Trail
Atlanta, GA 30349
Parkway Villages Subdivision
New Listing - 2 weeks online
$241,557
Single Family Home For Sale
Pending
4
BED
3
TOTAL BATHS
1,976
SQFT
5077 Rapahoe Trail
Atlanta, GA 30349
Parkway Villages Subdivision
$234,920
Single Family Home For Sale
Pending
4
BED
3
TOTAL BATHS
1,976
SQFT
5062 Rapahoe Trail
Atlanta, GA 30349
Parkway Villages Subdivision
New Listing - 2 weeks online
$234,920
Single Family Home For Sale
Active
3
BED
3
TOTAL BATHS
1,950
SQFT
5075 Rapahoe Trail
Atlanta, GA 30349
Parkway Villages Subdivision
New Listing - 3 weeks online
$233,920
Single Family Home For Sale
Pending
3
BED
3
TOTAL BATHS
1,950
SQFT
5069 Rapahoe Trail
Atlanta, GA 30349
Parkway Villages Subdivision