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
$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
Pending
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
$279,990
Single Family Home For Sale
Pending
4
BED
4
TOTAL BATHS
2,635
SQFT
7067 Demeter Drive
Atlanta, GA 30349
Camden Manor Subdivision
Price Change - a week ago
$279,990
Single Family Home For Sale
Active
4
BED
4
TOTAL BATHS
2,635
SQFT
7027 Demeter Drive
Atlanta, GA 30349
Camden Manor Subdivision
New Listing - 3 weeks online
$348,100
Single Family Home For Sale
Active
5
BED
4
TOTAL BATHS
3,040
SQFT
646 Python Drive
Atlanta, GA 30349
Camden Manor Subdivision
$289,990
Single Family Home For Sale
Pending
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
New Listing - 3 weeks online
$304,990
Single Family Home For Sale
Active
5
BED
4
TOTAL BATHS
3,040
SQFT
6937 Demeter Drive
Atlanta, GA 30349
Camden Manor Subdivision
New Listing - 3 weeks online
$284,990
Single Family Home For Sale
Active
4
BED
4
TOTAL BATHS
2,635
SQFT
6904 Demeter Drive
Atlanta, GA 30349
Camden Manor Subdivision
New Listing - 4 weeks online
$2,900,000
Single Family Home For Sale
Active
7
BED
9
TOTAL BATHS
15,159
SQFT
4690 Thompson Road
Atlanta, GA 30349
 
New Listing - 4 weeks online
$6,950,000
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
Pending
4
BED
3
TOTAL BATHS
2,443
SQFT
555 Dutchview Drive
Atlanta, GA 30349
WHISPERING WILLOWS Subdivision
$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
$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
$312,089
Single Family Home For Sale
Active
5
BED
3
TOTAL BATHS
2,680
SQFT
3221 Camden Court
Atlanta, GA 30349
Kingsland Subdivision
$279,353
Single Family Home For Sale
Active
3
BED
3
TOTAL BATHS
2,260
SQFT
3216 Camden Court
Atlanta, GA 30349
Kingsland Subdivision
$307,071
Single Family Home For Sale
Active
4
BED
4
TOTAL BATHS
2,545
SQFT
3208 Camden Court
Atlanta, GA 30349
Kingsland Subdivision
New Listing - 4 weeks online
$282,508
Single Family Home For Sale
Active
5
BED
3
TOTAL BATHS
2,487
SQFT
3200 Camden Court
Atlanta, GA 30349
Kingsland Subdivision
New Listing - 2 weeks online
$270,789
Single Family Home For Sale
Active
4
BED
3
TOTAL BATHS
2,122
SQFT
7143 Glaspie Way
Atlanta, GA 30349
Kingsland 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
Short Sale
$129,000
Single Family Home For Sale
Active
4
BED
3
TOTAL BATHS
2,366
SQFT
6425 Tahoe Drive
Atlanta, GA 30349
Ponderosa 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
$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
$235,512
Single Family Home For Sale
Pending
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
$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
3
BED
3
TOTAL BATHS
1,950
SQFT
5075 Rapahoe Trail
Atlanta, GA 30349
Parkway Villages Subdivision
$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
New Listing - 4 weeks online
$340,000
Single Family Home For Sale
Active
5
BED
4
TOTAL BATHS
2,850
SQFT
4296 Bellwood Circle
Atlanta, GA 30349
Stonewall Manor Subdivision
$324,900
Single Family Home For Sale
Pending
4
BED
3
TOTAL BATHS
2,759
SQFT
4288 Bellwood Circle
Atlanta, GA 30349
Stonewall Manor Subdivision
Short Sale
$260,000
Single Family Home For Sale
Active
4
BED
3
TOTAL BATHS
2,886
SQFT
3294 Sequoia Avenue
Atlanta, GA 30349
REGENCY OAKS Subdivision
$450,000
Single Family Home For Sale
Active
4
BED
4
TOTAL BATHS
3,200
SQFT
5618 Livesage Drive
Atlanta, GA 30349
Union Crossing Subdivision
$450,000
Single Family Home For Sale
Active
4
BED
4
TOTAL BATHS
3,200
SQFT
5622 Livesage Drive
Atlanta, GA 30349
Union Crossing Subdivision
$475,000
Single Family Home For Sale
Active
4
BED
4
TOTAL BATHS
3,200
SQFT
5667 Eternal Drive
Atlanta, GA 30349
UNION CROSSING Subdivision
$327,701
Single Family Home For Sale
Pending
5
BED
3
TOTAL BATHS
2,760
SQFT
513 Wolf Pack Lane
Atlanta, GA 30349
Wolf Creek Chase Subdivision
Price Change - 3 weeks ago
$339,990
Single Family Home For Sale
Active
4
BED
5
TOTAL BATHS
3,331
SQFT
2856 Bluestone Drive SW
Atlanta, GA 30331
Summit At Stonewall Tell Subdivision
$362,001
Single Family Home For Sale
Pending
5
BED
3
TOTAL BATHS
3,433
SQFT
3394 Wolf Cub Circle
Atlanta, GA 30349
Wolf Creek Chase Subdivision
$319,245
Single Family Home For Sale
Active
5
BED
3
TOTAL BATHS
2,802
SQFT
3378 Wolf Cub Circle
Atlanta, GA 30349
Wolf Creek Chase Subdivision
$322,869
Single Family Home For Sale
Active
4
BED
4
TOTAL BATHS
2,890
SQFT
3370 Wolf Cub Circle
Atlanta, GA 30349
Wolf Creek Chase Subdivision
$360,910
Single Family Home For Sale
Active
5
BED
3
TOTAL BATHS
2,802
SQFT
3373 Wolf Cub Circle
Atlanta, GA 30349
Wolf Creek Chase Subdivision
$358,981
Single Family Home For Sale
Pending
5
BED
2
TOTAL BATHS
3,433
SQFT
3346 Wolf Cub Circle
Atlanta, GA 30349
Wolf Creek Chase Subdivision
$329,650
Single Family Home For Sale
Pending
5
BED
3
TOTAL BATHS
2,802
SQFT
3330 Wolf Cub Circle
Atlanta, GA 30349
Wolf Creek Chase Subdivision
$319,745
Single Family Home For Sale
Pending
5
BED
3
TOTAL BATHS
2,802
SQFT
3314 Wolf Cub Circle
Atlanta, GA 30349
Wolf Creek Chase Subdivision
$314,955
Single Family Home For Sale
Active
5
BED
4
TOTAL BATHS
2,711
SQFT
3313 Wolf Cub Circle
Atlanta, GA 30349
Wolf Creek Chase Subdivision
New Listing - 4 weeks online
$357,900
Single Family Home For Sale
Active
5
BED
3
TOTAL BATHS
2309 Red Hibiscus Court
Atlanta, GA 30331
Cambridge Meadows Subdivision
New Listing - 2 days online
$269,900
Single Family Home For Sale
Active
4
BED
3
TOTAL BATHS
2301 Red Hibiscus Court
Atlanta, GA 30331
Cambridge Meadows Subdivision
$169,375
Single Family Home For Sale
Pending
3
BED
3
TOTAL BATHS
1,920
SQFT
5629 Grande Rivers Road
Atlanta, GA 30349
River Station Subdivision
New Listing - 6 days online
$520,000
Single Family Home For Sale
Active
5
BED
5
TOTAL BATHS
3,896
SQFT
Cherry Orchard Place #H
996 Pitts Road
Atlanta, GA 30350
New Listing - 2 weeks online
$180,000
Single Family Home For Sale
Active
3
BED
3
TOTAL BATHS
1,946
SQFT
1625 Tigris Court
Atlanta, GA 30349
Rivers Station Subdivision
Short Sale
$95,000
Single Family Home For Sale
Active
3
BED
2
TOTAL BATHS
967
SQFT
5296 Brittany Trail
Atlanta, GA 30349
Yorketown Place Subdivision
$370,190
Single Family Home For Sale
Pending
4
BED
4
TOTAL BATHS
3,941
SQFT
3699 Wartrace Drive
Atlanta, GA 30331
Bedford Estates Subdivision
$428,590
Single Family Home For Sale
Pending
6
BED
4
TOTAL BATHS
3,776
SQFT
3692 Wartrace Drive
Atlanta, GA 30331
Bedford Estates Subdivision
$321,990
Single Family Home For Sale
Active
4
BED
3
TOTAL BATHS
2,890
SQFT
3636 Wartrace Drive
Atlanta, GA 30331
Overlook At Camp Creek Subdivision
$1,275,000
Single Family Home For Sale
Active
5
BED
6
TOTAL BATHS
4,200
SQFT
1745 Tamworth Court
Atlanta, GA 30338
Dunwoody Club Forest Subdivision