Bookmark Us Promote Us Contact Us Image (Captcha) types FAQ How to Buy a House How to Buy a House home Learn the basics 1.The Basics 2.How much home can you afford? 3.The Down Payment 4.The Loan -Assuming a Loan -Owner Financing 5.Qualifying for a loan 6.Understand Closing Costs Do the groundwork 7.Get your finances in order 8.Check Your Credit my free credit score Pennsylvania Report -Repair bad credit -Establish Credit if you don't have any The Process 10.my free credit score Pennsylvania Find a Lender 11.my free credit score Pennsylvania Evaluate the bank's offer 12.Start looking at houses 13.Get the Disclosure 14.Make an offer / Sign my free credit score Pennsylvania a Contract 15.Have the House Inspected 16.Problems on the Inspection? free fraud protection 17.Renegotiate the terms 18.Appraisal & Insurance 19.Closing! After the purchase Avoding scams More about Mortgages How much loan can you get? 30-year loans Prepaying your mortgage How to figure mortgage interest Private Mortgage Insurance Paying Points If you won't live long enough to pay off my free credit score Pennsylvania the mortgage Other Topics Renting vs. Homebuyer Tax Credit Buying is an my free credit score Pennsylvania investment Appreciation Paying cash vs. getting a loan The Debt Ratio Tax breaks are actually welfare for the rich Other Links to helpful sites Fan Mail Michael my free credit score Pennsylvania Bluejay's home page Email Me « Back: Credit Reports & Credit Scores « » Next: Establishing credit, or Find a lender » This page will tell you everything you need to know about improving your credit score. company credit check free If you haven't already read my introduction to Credit Reports & Credit Scores, I strongly suggest you read that first.
Myth: Checking my credit score or getting my credit report hurts my credit score. Inquiries about your report my free credit score Pennsylvania for the purpose of establishing new credit can decrease your score a little bit, but inquiries to just get your score or a copy of your report never hurt your score. And even though inquiries for the purpose of establishing new credit reduce your score, they don't reduce it by very much. Myth: Closing credit card or merchant accounts will help my credit score.
FACT: Closing accounts generally won'my free credit score Pennsylvania t raise your score. People have heard, quite correctly, that sometimes having too many open accounts can hurt your score. anual free credit report
That's true, but once you already have the open accounts it's too late.
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