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4-Step Guide to Instant Score Boosting
Step 1: Crush Your Credit Card Utilization Ratio (The Fastest Boost) The Credit Utilization Ratio (CUR)—the amount of credit you're using divided by your total available credit—accounts for about 30% of your FICO score and is the fastest factor to change. Lenders want to see your CUR below 30% , but aiming for under 10% provides a powerful score boost. Action: Pay down your revolving credit card balances aggressively. Pro Tip for Speed: Don't wait for your statement. Pa
Elsie Wu
Dec 9, 20254 min read
Understanding Your DTI: A Guide to Financial Health
Have you ever wondered how lenders determine if you're a good candidate for a loan? One of the key factors they consider is your...
Elsie Wu
Sep 19, 20243 min read
Can You Afford That Dream Home? Breaking Down the Numbers
Is Homeownership Within Reach? One of the most common questions potential homebuyers ask themselves is, "Can I afford this?" With housing...
Elsie Wu
Aug 17, 20243 min read
IRA withdrawal for loan qualification. A Closer Look
IRA withdrawal for loan qualification
Elsie Wu
Aug 5, 20243 min read
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