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
Price Change - 3 weeks ago
$198,000
Single Family Home For Sale
Pending
4
BED
4
TOTAL BATHS
2,601
SQFT
6796 Foxfire Place Place SW
Atlanta, GA 30349
COOKS LANDING Subdivision
$283,951
Single Family Home For Sale
Active
3
BED
2
TOTAL BATHS
1,802
SQFT
673 Python Drive
Atlanta, GA 30349
Camden Manor Subdivision
$329,990
Single Family Home For Sale
Active
5
BED
4
TOTAL BATHS
3,363
SQFT
7064 Demeter Drive
Atlanta, GA 30349
Camden Manor Subdivision
$299,026
Single Family Home For Sale
Active
5
BED
3
TOTAL BATHS
3,040
SQFT
7057 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
$310,270
Single Family Home For Sale
Pending
4
BED
3
TOTAL BATHS
3,236
SQFT
7024 Demeter Drive
Atlanta, GA 30349
Camden Manor Subdivision
$309,473
Single Family Home For Sale
Active
4
BED
3
TOTAL BATHS
2,544
SQFT
7014 Demeter Drive
Atlanta, GA 30349
Camden Manor Subdivision
$301,438
Single Family Home For Sale
Active
5
BED
4
TOTAL BATHS
3,040
SQFT
7007 Demeter Drive
Atlanta, GA 30349
Camden Manor Subdivision
Foreclosure
$215,000
Single Family Home For Sale
Pending
4
BED
3
TOTAL BATHS
3,080
SQFT
6629 Overlook Ridge
Atlanta, GA 30349
Cooks Landing Subdivision
$4,000,000
Single Family Home For Sale
Active
7
BED
9
TOTAL BATHS
15,159
SQFT
4690 Thompson Road
Atlanta, GA 30349
 
$12,500,000
Single Family Home For Sale
Active
9
BED
14
TOTAL BATHS
26,000
SQFT
4965 Butner Road
Atlanta, GA 30349
 
New Listing - 3 weeks online
$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
Active
4
BED
3
TOTAL BATHS
2,639
SQFT
432 Hammock Loop
Atlanta, GA 30349
 
New Listing - 3 weeks online
$310,500
Single Family Home For Sale
Active
5
BED
3
TOTAL BATHS
3,033
SQFT
510 Dutchview Drive
Atlanta, GA 30349
WHISPERING WILLOWS Subdivision
New Listing - 3 weeks online
$327,527
Single Family Home For Sale
Active
5
BED
3
TOTAL BATHS
3,077
SQFT
455 Dutchview Drive
Atlanta, GA 30349
WHISPERING WILLOWS Subdivision
New Listing - 3 weeks online
$239,900
Single Family Home For Sale
Active
4
BED
3
TOTAL BATHS
1,972
SQFT
400 Dutchview Drive
Atlanta, GA 30349
WHISPERING WILLOWS Subdivision
$274,900
Single Family Home For Sale
Active
5
BED
3
TOTAL BATHS
2,487
SQFT
3200 Camden Court
Atlanta, GA 30349
Kingsland Subdivision
New Listing - 4 weeks online
$257,900
Single Family Home For Sale
Pending
4
BED
3
TOTAL BATHS
2,108
SQFT
3213 Camden Court
Atlanta, GA 30349
Kingsland Subdivision
New Listing - 4 weeks online
$271,500
Single Family Home For Sale
Active
4
BED
3
TOTAL BATHS
2,487
SQFT
3239 Camden Court
Atlanta, GA 30349
Kingsland Subdivision
New Listing - 4 weeks online
$264,900
Single Family Home For Sale
Active
3
BED
3
TOTAL BATHS
2,260
SQFT
3204 Camden Court
Atlanta, GA 30349
Kingsland Subdivision
Open House 09/21 at 1PM
$261,500
Single Family Home For Sale
Active
4
BED
3
TOTAL BATHS
2,108
SQFT
3243 Camden Court
Atlanta, GA 30349
Kingsland Subdivision
Short Sale
$225,900
Single Family Home For Sale
Active
4
BED
3
TOTAL BATHS
2,676
SQFT
2927 Chilhowee Drive
Atlanta, GA 30331
Legacy at Cascading Creek 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
$162,490
Single Family Home For Sale
Pending
4
BED
3
TOTAL BATHS
1,800
SQFT
6679 Mancha 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
$169,490
Single Family Home For Sale
Pending
4
BED
3
TOTAL BATHS
2,000
SQFT
6683 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
$174,490
Single Family Home For Sale
Pending
5
BED
3
TOTAL BATHS
2,217
SQFT
6790 Mancha Street
Atlanta, GA 30349
Heritage Park Subdivision
$162,490
Single Family Home For Sale
Pending
4
BED
3
TOTAL BATHS
1,800
SQFT
6742 Mancha Street
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
$176,490
Single Family Home For Sale
Pending
5
BED
3
TOTAL BATHS
2,217
SQFT
6687 Mancha Street
Atlanta, GA 30349
Heritage Park Subdivision
$176,490
Single Family Home For Sale
Pending
5
BED
3
TOTAL BATHS
2,217
SQFT
2281 Creel Road
Atlanta, GA 30349
Heritage Park Subdivision
$162,490
Single Family Home For Sale
Pending
4
BED
3
TOTAL BATHS
1,800
SQFT
2273 Creel Road
Atlanta, GA 30349
Heritage Park Subdivision
$169,490
Single Family Home For Sale
Pending
4
BED
3
TOTAL BATHS
2,000
SQFT
2285 Creel Road
Atlanta, GA 30349
Heritage Park Subdivision
$167,990
Single Family Home For Sale
Pending
4
BED
3
TOTAL BATHS
2,045
SQFT
505 Hererra Street
Atlanta, GA 30349
Heritage Park Subdivision
Open House 09/22 at 2PM
$259,900
Single Family Home For Sale
Active
4
BED
3
TOTAL BATHS
3,006
SQFT
4244 Sublime Trail
Atlanta, GA 30349
Pittman Park Subdivision
$1,599,000
Single Family Home For Sale
Pending
5
BED
6
TOTAL BATHS
5,200
SQFT
210 Rivermere Way
Atlanta, GA 30350
Gates on the River Subdivision
Short Sale
$129,000
Single Family Home For Sale
Active
4
BED
3
TOTAL BATHS
1,162
SQFT
6111 Lamp Post Place
Atlanta, GA 30349
Buffington Park Subdivision
$224,420
Single Family Home For Sale
Pending
3
BED
3
TOTAL BATHS
1,920
SQFT
5001 Rapahoe Trail
Atlanta, GA 30349
Parkway Villages Subdivision
$224,196
Single Family Home For Sale
Pending
3
BED
3
TOTAL BATHS
1,920
SQFT
5042 Rapahoe Trail
Atlanta, GA 30349
Parkway Villages Subdivision
$226,696
Single Family Home For Sale
Pending
3
BED
3
TOTAL BATHS
1,950
SQFT
5044 Rapahoe Trail
Atlanta, GA 30349
Parkway Villages Subdivision
$226,496
Single Family Home For Sale
Pending
3
BED
3
TOTAL BATHS
1,950
SQFT
5013 Rapahoe Trail
Atlanta, GA 30349
Parkway Villages Subdivision
Price Change - a week ago
$232,586
Single Family Home For Sale
Pending
4
BED
3
TOTAL BATHS
1,976
SQFT
5035 Rapahoe Trail
Atlanta, GA 30349
Parkway Villages Subdivision
Price Change - a week ago
$230,526
Single Family Home For Sale
Pending
3
BED
3
TOTAL BATHS
1,950
SQFT
5037 Rapahoe Trail
Atlanta, GA 30349
Parkway Villages Subdivision
Short Sale
$115,000
Single Family Home For Sale
Pending
4
BED
4
TOTAL BATHS
1,912
SQFT
2180 Crossrail Drive
Atlanta, GA 30349
Fairfield Square Subdivision
Short Sale
$135,000
Single Family Home For Sale
Pending
3
BED
3
TOTAL BATHS
1,660
SQFT
4765 Buckeye Place
Atlanta, GA 30349
Creekside Subdivision
New Listing - 17 hours online
$299,900
Single Family Home For Sale
Active
5
BED
4
TOTAL BATHS
3,046
SQFT
4307 Bellwood Circle
Atlanta, GA 30349
Stonewall Manor Subdivision
$329,900
Single Family Home For Sale
Active
4
BED
3
TOTAL BATHS
2,759
SQFT
4288 Bellwood Circle
Atlanta, GA 30349
Stonewall Manor Subdivision
$212,000
Single Family Home For Sale
Pending
4
BED
3
TOTAL BATHS
2,006
SQFT
5015 Buckeye Place
Atlanta, GA 30349
Creekside Subdivision
$229,900
Single Family Home For Sale
Pending
4
BED
3
TOTAL BATHS
2,050
SQFT
4915 Buckeye Place
Atlanta, GA 30349
Creekside Subdivision
Short Sale
$160,000
Single Family Home For Sale
Active
3
BED
3
TOTAL BATHS
1,808
SQFT
3027 Sable Run Road
Atlanta, GA 30349
SABLE CHASE Subdivision
$333,840
Single Family Home For Sale
Active
4
BED
5
TOTAL BATHS
3,331
SQFT
6312 Jasper Way SW
Atlanta, GA 30331
Summit At Stonewall Tell Subdivision
New Listing - 2 weeks online
$363,535
Single Family Home For Sale
Active
4
BED
4
TOTAL BATHS
3,905
SQFT
2912 Bluestone Drive SW
Atlanta, GA 30331
Summit At Stonewall Tell Subdivision
Price Change - a week ago
$359,837
Single Family Home For Sale
Active
4
BED
3
TOTAL BATHS
3,433
SQFT
775 Red Wolf Run
Atlanta, GA 30349
Wolf Creek Chase Subdivision
New Listing - 2 weeks online
$345,365
Single Family Home For Sale
Active
4
BED
4
TOTAL BATHS
3,138
SQFT
2905 Bluestone Drive SW
Atlanta, GA 30331
Summit At Stonewall Tell Subdivision
$355,676
Single Family Home For Sale
Pending
5
BED
3
TOTAL BATHS
2,760
SQFT
112 Old Wolf Court
Atlanta, GA 30349
Wolf Creek Chase Subdivision
$425,000
Single Family Home For Sale
Active
4
BED
4
TOTAL BATHS
3,200
SQFT
5618 Livesage Drive
Atlanta, GA 30349
Union Crossing Subdivision
New Listing - a week online
$382,043
Single Family Home For Sale
Active
5
BED
3
TOTAL BATHS
2,760
SQFT
109 Old Wolf Court
Atlanta, GA 30349
Wolf Creek Chase Subdivision
$425,000
Single Family Home For Sale
Active
4
BED
4
TOTAL BATHS
3,200
SQFT
5622 Livesage Drive
Atlanta, GA 30349
Union Crossing Subdivision
$425,000
Single Family Home For Sale
Active
4
BED
4
TOTAL BATHS
3,200
SQFT
5667 Eternal Drive
Atlanta, GA 30349
UNION CROSSING Subdivision

Atlanta Real Estate

List of homes in the Atlanta area. Are you relocating to Atlanta and in need of a home in Atlanta?, welcome to kstrealty, we not only have homes for sale in Atlanta, but we can help you find Condos. Townhomes , land and any other type of property you are looking for.

Here is the Top Real Estate Markets in Georgia

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Whether you are looking to buy your first home, or you are moving up to your dream home, our real estate agents in Atlanta can find that you the one you are looking for. Kstrealty has the most homes for sale in Atlanta and our information is updated every 15 minutes. If a listing is showing in our website it is because is available.

To get up to date list of homes in your phone or email, register and our systems will notify you as soon as a new home listing is available in our website, our system will also notify if the price the property you are interested is reduced.

Are you looking for an agent to help you sell your home, all of our real estate agents are seasoned real estate professionals, we can help you list your home for sale in any area around Atlanta? Our agents can help you sell your home and also buy your new home, our agents are prepared to meet all your real estate needs, contact us today so we can setup an appointment in your house.

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Need to build a home in Atlanta?, our real estate company can help you find the ideal residential lot to build your dream home and our sister company Traditional Homes of Georgia LLC will help you build your dream home anywhere in Atlanta. Contact us for all your home building needs and other constructions jobs in Atlanta.

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