If you’re worried about your bad credit, you’ll want to do everything in your power to improve your rating as quickly as possible – especially if you have a major purchase coming up. Improving your credit rating can give you access to better interest rates on mortgages or even help you to get that job you’re after.
IMPORTANT! If you are currently involved in a home loan transaction, speak with your trusted real estate advisor before taking any action regarding your credit!
So how can you boost your FICO score quickly and easily? Here’s what you need to know.
Get Your Credit Report And Dispute Any Errors
Credit reporting agencies don’t always keep 100% perfect records, and there’s a good chance that your credit report contains at least one error. One recent FTC study found that 25% of consumers have an error on their credit report, and that in 5% of cases, the errors were actually severe enough to impact the loan terms that borrowers were able to negotiate.
You can get your annual credit report from all three credit reporting agencies for free. Carefully read over it. If you see any errors – if your name is misspelled, if they have the wrong address on file, or if there are late or unpaid charges that you didn’t make – you can dispute the items in question.
Still Overdue? Negotiate Payment Terms With Your Creditors
If you’re overdue on a payment, it will weigh heavily on your credit score. As your payment history makes up a full 35% of your FICO score, this is one area where you’ll want to invest a great deal of time and effort.
Contact any creditors you owe money to and ask if you can negotiate your bill. The ideal outcome for you is to have the creditor report your debt as paid in full, so see if you can secure that promise in writing in exchange for an accelerated payment schedule.
Try Maintaining A Lower Utilization Ratio
Your utilization ratio refers to the amount of credit you use at any given time. If this number goes beyond 30 percent, you’ll start to see your credit score drop. Ideally, you should aim for a utilization ratio below 10 percent – this will prove to your lender that you can responsibly pay for the credit you use.
Have Recurring Bills? Automate Your Payments
Automating your monthly payments can be a great way to boost your credit score. Whether it’s your mortgage, your credit card, or your student loan, a pre-authorized monthly payment will ensure that everything gets paid on time and give you a great credit history.
Your FICO score is a number that will determine your eligibility for mortgages and other loans. These are general tips to help with your credit score and improve the overall reporting of your credit.
40396 W Wade Drive Maricopa, AZ 85138
$460,000
4
Beds
3
Baths
2,078
SqFt
Status
Active
MLS #
6682397
Property Type
Single Family Residence
Price Type
--
Wow...A coveted lake lot with an almost new home. This home closed in September '23 for over $502K!!! Need more? The builder only builds spec homes now (buyers only get very few final finishing options), but this home was built from scratch and highly optioned! Incredible value here, plus it's like having a new home without the wait time or other headaches! This desirable Agate model features 4 bedrooms, 3 full baths, and an oversized garage. N/S exposure, front yard landscaping is done, and all appliances are included. Tankless water heater, radiant roof barrier, along with many other exciting new build features. Enjoy the wonderful amenities of Rancho El Dorado. Don't miss this rare chance to be on the lake, for a bargain.
3409 S 90th Avenue Tolleson, AZ 85353
$460,000
3
Beds
2
Baths
2,169
SqFt
Status
Active
MLS #
6676331
Property Type
Single Family Residence
Price Type
--
Welcome to this stunning move in ready home loaded with all the bells and whistles! Spacious 3 bedroom 2 bath + den with option of converting to 4th bedroom. Fresh interior paint, new Trane A/C unit, new pool with travertine decking and new PAID OFF solar panels. Surveillance system with built in cameras and monitor/hard drive. Open concept floor plan with oversized kitchen island, stainless steel appliances, granite counter tops and dark cherry maple cabinetry. Floor plan makes it easy to entertain guests with easy flow into the backyard, perfect to enjoy on a hot summer day!
8655 W Alvarado Road Phoenix, AZ 85037
$460,000
4
Beds
2
Baths
1,819
SqFt
Status
Active
MLS #
6651919
Property Type
Single Family Residence
Price Type
--
Beautiful Home in a great neighborhood with private pool for the hot summer! Featuring 4 bedrooms, 2 bathrooms, living room, family room, open floor plan with vaulted ceiling, tile and wood floors, 3 car garage, cover patio, ramada, kitchen with island, new paint, close to schools, park , shopping and 101 & I-10 Freeways.
11324 W Hazelwood Street Phoenix, AZ 85037
$460,000
4
Beds
2.5
Baths
2,221
SqFt
Status
Active
MLS #
6687499
Property Type
Single Family Residence
Price Type
--
Welcome to this stunning home boasting a plethora of on-trend features, ideally situated on an oversized cul-de-sac lot. The eat-in kitchen is a chef's dream, featuring stainless steel appliances, maple cabinetry, a reverse osmosis system, large storage pantry, breakfast bar, and an upgraded ORB faucet. Additional highlights include leased solar panels, along with newer water softener and water heater for added efficiency. Ample storage is provided with stairwell storage and the 2-car garage shelving space. The great room offers a spacious and inviting atmosphere, complemented by 18-inch ceramic tile flooring and tons of natural light. Upstairs, a large bonus loft awaits with vaulted ceilings and wood-look laminate flooring, perfect for relaxing with family and friends. The upstairs bedrooms have lush new carpet throughout. The master suite boasts a double-door entry, walk-in closet, and a spacious full bathroom with dual sinks and a makeup vanity, catering to both luxury and convenience. Step outside to the expansive North-facing backyard, featuring an extended covered patio, green grass lawn, tall block privacy wall, and a charming paver walkway leading to the gated pool with a baja step and waterfall. Don't miss the opportunity to make this exceptional residence your own and experience luxury living at its finest.
2402 E 5th Street Tempe, AZ 85288
$460,000
3
Beds
2.5
Baths
1,380
SqFt
Status
Active
MLS #
6698156
Property Type
Townhouse
Price Type
--
Explore comfortable living in this beautifully-maintained condo, conveniently located in the heart of Tempe. This home offers 3 bedrooms plus a den and 2.5 bathrooms across two stories, enhanced with recent updates including a new AC system (2021) and Anderson windows (2021) for improved comfort and efficiency. The interior features a blend of wood and tile flooring throughout, creating a welcoming open floor plan. The kitchen is equipped with a functional island and modern stainless steel appliances, perfect for everyday cooking. A versatile den on the main floor provides a great space for a home office, workout room, or flex space. Upstairs, the bedrooms are airy with vaulted ceilings that add a sense of openness. The primary suite includes a large en-suite bathroom with dual sinks and walk-in closet. Just down the hall is the laundry, conveniently located upstairs. The location is ideal, just minutes from ASU, Old Town Scottsdale, various shopping centers, Cubs Training Center, Riverview Park, and numerous dining options. Easy access to Loop 101/202 makes commuting simple. This gated community features great amenities such as ramadas, multiple pools, and a spa. Additionally, this unit comes with a two-car garage with direct home access. Consider making THIS your new home for a balanced and convenient lifestyle in Tempe!
2915 W Meadow Drive Phoenix, AZ 85053
$460,000
2
Beds
2
Baths
1,307
SqFt
Status
Active
MLS #
6681118
Property Type
Single Family Residence
Price Type
--
Discover the ultimate haven for your entrepreneurial ambitions! This remarkable property presents a haven for business owners seeking ample space for trucks and equipment. A standout feature is the expansive 5-car garage accompanied by a colossal workshop, meticulously designed to accommodate your professional needs. Located proximate to the bustling arteries of I-17 and Bell Road, accessibility to the entirety of the valley is seamlessly facilitated, ensuring your business ventures thrive with unparalleled convenience. Step into the expansive garage, where the possibilities are endless. Whether you're a contractor, landscaper, or tradesperson, this space offers the ideal canvas for storing your fleet of vehicles and equipment securely. Imagine the ease of access as you navigate your trucks in and out, with ample room to maneuver and organize your tools for maximum efficiency. But the true crown jewel of this property lies within its vast workshop. Here, craftsmanship meets functionality in a space that is primed for productivity. With towering ceilings and an abundance of natural light, this workshop invites creativity and innovation to flourish. Whether you're tinkering with machinery, crafting custom pieces, or conducting repairs, this expansive area provides the perfect environment to bring your visions to life. Strategically positioned near the intersection of I-17 and Bell Road, this property offers unparalleled connectivity to key transportation routes. This strategic location not only streamlines your daily commute but also enhances the accessibility of your business to clients and suppliers across the valley. Say goodbye to lengthy travel times and hello to newfound efficiency as you navigate the thriving landscape of the local market. While the focus may be on the outbuildings, it's essential not to overlook the charm and comfort offered by the main residence. With its inviting ambiance and modern amenities, this home provides a sanctuary where you can recharge and rejuvenate after a day of hard work. From spacious living areas to a well-appointed kitchen, every detail has been thoughtfully crafted to ensure your utmost comfort and satisfaction. In conclusion, this property represents more than just a place to call home - it's a gateway to endless possibilities and boundless opportunities. With its unparalleled combination of practicality, convenience, and potential, it stands as a testament to the entrepreneurial spirit that thrives within us all. Don't miss your chance to make your mark in the heart of the valley.
16520 W Flora Lane Surprise, AZ 85387
$460,000
2
Beds
2
Baths
1,930
SqFt
Status
Active
MLS #
6677899
Property Type
Single Family Residence
Price Type
--
The Grand awaits! This Gorgeous Valencia II model has been meticulously cared for and shows true pride in ownership. This one-owner home is the definition of Turn-Key and shows beautifully, offering 2 bedrooms, 2 bathrooms, plus a Den/Office. Key features include a gated front courtyard with water feature, Brand New interior paint, tile all throughout, Solar Tubes, sliding cabinet shelves in the kitchen, Corian counters, kitchen island and breakfast bar, tile backsplash, hot water heater re-circulator for instant hot water, cabinets in Laundry and Garage, extended rear covered patio with added Pony wall and Fire pit, and so much more! This isn't just a home, it's a lifestyle of refined comfort. The Grand is one of the top Adult communities in the U.S. and features 4 18-Hole Championship Courses, Fitness Center, Day Spa, pickleball and tennis courts, multiple swimming pools, dog parks, a softball field and over 80 clubs and special interest groups, plus entertainment venues that feature local and international performers. Join The Grand.
2220 N Magdelena Place Casa Grande, AZ 85122
$460,000
7
Beds
4
Baths
4,236
SqFt
Status
Active
MLS #
6678575
Property Type
Single Family Residence
Price Type
--
Fabulous two-level residence located in Mission Valley! Perfectly flowing layout showcasing spacious living areas adorned with glossy wood-look floor, arched doorways, soothing palette, & soft carpet in all the right places. The remarkable chef's kitchen offers white shaker cabinets adorned with crown moulding, granite counters, stainless steel appliances, double wall oven, modern track lighting, & a convenient center island. You'll also find an impressive loft with endless possibilities! Double doors open to the main bedroom, comprised of a walk-in closet, a private bathroom with dual sinks, & access to the cozy balcony. Spend relaxing afternoons in the charming backyard, featuring a covered patio. 7 bedrooms, 4 full bathrooms (1 bedroom and full bath downstairs, bonus/gameroom, and loft
20603 N Echo Mesa Drive Sun City West, AZ 85375
$460,000
2
Beds
2
Baths
2,103
SqFt
Status
Active
MLS #
6680198
Property Type
Single Family Residence
Price Type
--
Popular San Carlos model with 2 large bedrooms, 2 bathrooms, vaulted ceilings and HUGE utility/laundry room-perfect for crafting or if you need extra space & already plumbed. Kitchen has tons of cabinets w pull-out drawers, granite countertops, island, newer appliances and opens up to the large Arizona room. Skylights & solar tubes offer bright, natural light. You will love the rear, large 20' X 24' enclosed, screened patio room that offers space for entertaining or enjoying the beautiful weather. Desirable North/South exposure, situated in a cul-de-sac, corner lot in Echo Mesa area-close to Sun City West amenities and shopping! No HOA fees and low tax area!
8415 N 47th Drive Glendale, AZ 85302
$460,000
5
Beds
2
Baths
2,080
SqFt
Status
Active
MLS #
6683949
Property Type
Single Family Residence
Price Type
--
Beautify and well-kept 5-bedroom 2-bathroom home with Split Plan, Porcelain tile floors throughout, spacious living room, Dining Area, Family Rooms plus hallways. Huge pebble diving pool recent replastered, Kitchen with plenty of natural light, Double Pantries. Backyard with a covered patio. Split bedroom plan offers privacy. Close to School and I-17 Freeway and NO HOA.
630 Ringtail Road Wickenburg, AZ 85390
$460,000
4
Beds
2
Baths
1,805
SqFt
Status
Active
MLS #
6686092
Property Type
Single Family Residence
Price Type
--
Welcome to your dream home nestled in the heart of Wickenburg, where modern elegance meets comfort. This stunning 4-bedroom residence boasts a perfect blend of contemporary design and timeless charm, offering an exceptional living experience. Step inside to a spacious living area that welcomes you with abundant natural light, creating an inviting ambiance for gatherings and relaxation alike. Enjoy the convenience of updated appliances in the sleek, gourmet kitchen, where culinary adventures await. Outside your oversized lot offers endless possibilities for outdoor entertainment, from al fresco dining to tranquil moments basking in the Arizona sun. Marvel at fantastic views of the mountains. Conveniently located in the heart of Wickenburg, this residence offers easy access to a wealth of amenities, including shopping, dining, arenas and entertainment options. Explore the vibrant local community and discover why Wickenburg is beloved for its small-town charm and rich western heritage. Seize the opportunity to make this exceptional property your own and experience the epitome of modern living in Wickenburg.
6950 S Musgrove Road Skull Valley, AZ 86338
$460,000
2
Beds
1.5
Baths
1,260
SqFt
Status
Active
MLS #
6690740
Property Type
Single Family Residence
Price Type
--
Views and Horse Property just 30 minutes from Downtown Prescott! This home offers 2 bedrooms, 1.5 bathrooms and an office (or potential bedroom). It sits on 4 (splitable) acres and has some absolutely beautiful views. Not only can you enjoy your morning coffee and the sunrise from the front patio you can also embrace the beautiful sunsets Skull Valley has to offer off the back patio as well! This property backs to BLM land which is a perfect place to take your horses for an evening ride at the end of a long day or fire up your outdoor toys and go exploring. The living room has a beautiful custom wood burning fireplace that will heat the home and the kitchen has new appliances and walk-in pantry! The potential this property has to offer is endless and just awaits your personal touch.