Worried about Your FICO Score? 4 Easy Strategies to Fix It Up

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.

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Sort by: Select Price, Low to High Price, High to Low Newer Listings First Older Listings First Open House Date

17798 W Running Deer Trail Surprise, AZ 85387

$465,995

4 Beds

3 Baths

2,040 SqFt

Status Active

MLS # 6658921

Property Type Single Family Residence

Price Type --

This single level Saphire is so inviting and well thought out. The home features 4 Beds, 3 Baths with a bonus den/teen room and a 3-car garage. The Sapphire floor plan welcomes guests with pavers and a covered entry. Off the foyer, you'll find two bedrooms and a full bath. Heading towards the great room you will find the fourth bedroom and den/teen room with a dedicated bath. The home features 9 ft ceilings, 8'6'' paneled interior doors and an extended entry which leads to an open layout kitchen featuring a large upgraded center island, 42-inch upper cabinets, gas SS oven range and a convenient dining area. The great room is nicely sized with a center-meet double sliding door giving the space a light and open feel gracefully leading to the covered patio. The split floor plan features an owner's suite with two walk-in closets and an attached bath. Located in the fantastic community of Desert Oasis features parks, playgrounds and a community pool. Close to the new Frys marketplace with convenient access to the Loop 303 and US-60, nearby Lake Pleasant, Surprise Stadium, Wildlife Zoo, Aquarium & Safari Park in the fast-growing NW Valley. This beautiful home is done right and has so much to offer!

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40930 W Agave Road Maricopa, AZ 85138

$465,990

4 Beds

3 Baths

2,142 SqFt

Status Active

MLS # 6641288

Property Type Single Family Residence

Price Type --

START PACKING... It's the Castellano.. This home has 4 bedrooms, 3 baths and 3 car garage. Large walk-in shower at owner's bath. Multi slide door that leads out to the covered patio perfect for entertaining. Gas range for the cook in the family. Benton painted white cabinets with 42'' kitchen uppers and pull out trash drawer with two bins. DT One Quartz Evening Gray countertops in the kitchen and at the enhanced kitchen island. DT Marble Attache Matte kitchen backsplash and stainless steel undermount kitchen sink. 8' tall interior doors throughout the home. Upgrade flooring includes MZ Norwood Oak 6x24 tile in all areas of the home except bedrooms/closets. Gas drop to dryer, gas stub for BBQ, 8' garage door, garage service door and so much more.

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12565 N 175th Drive Surprise, AZ 85388

New

$465,900

3 Beds

2 Baths

1,836 SqFt

Status Active

MLS # 6688259

Property Type Single Family Residence

Price Type --

Beautiful property nestled on a desired corner lot! This gem displays a well-maintained front yard and a 2-car garage for your vehicles. The delightful interior features a spacious open floor plan, highlighting tall ceilings, a soothing palette, tile flooring, and soft carpet in all the right places. The kitchen is fully equipped with ample counter space, a walk-in pantry, rich wood cabinetry, recessed lighting, and an island with a breakfast bar, great for morning conversations. Double doors reveal a generous main retreat, offering a private bathroom with dual sinks and a large walk-in closet. Out the back, you'll find a covered patio for relaxing evenings after a busy day. Conveniently situated near schools, shopping, and parks. Stop searching!

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1131 E Lowell Avenue Gilbert, AZ 85295

$465,900

3 Beds

2.5 Baths

1,575 SqFt

Status Active

MLS # 6673558

Property Type Single Family Residence

Price Type --

The interior boasts an inviting open floorplan, encompassing 3 bedrooms, 2.5 baths, and a 2-car garage. Revel in the charm of beautiful wood and tile flooring, complemented by a tasteful two-tone paint scheme. The well-appointed kitchen includes a pantry, and all bedrooms feature spacious walk-in closets, with the master bedroom boasting an impressive two walk-in closets. Updated blinds and ceiling fans enhance each bedroom. Enjoy the home's North/South exposure and take advantage of its proximity to a playground, tennis courts, and an elementary school within walking distance. Spectrum, a highly coveted community in Gilbert, offers convenient access to amenities such as the 202 Expressway, San Tan Mall, Old Town Gilbert, golf courses, and much more!

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10210 N 54th Drive Glendale, AZ 85302

$465,500

3 Beds

2.5 Baths

2,129 SqFt

Status Active

MLS # 6686502

Property Type Single Family Residence

Price Type --

Oakdale is a quiet Glendale neighborhood located conveniently nine miles or less to major freeways in all directions. This home has a cozy front garden area. As you enter the home you are greeted by a vaulted pitched ceiling, a lovely corner fireplace & large windows that look onto the front garden area. Beyond the living room is an Arizona room with an expansive view of the backyard. This neighborhood has NO HOA. The spacious bedrooms are a split style with the master suite located towards the back of the home off the main living area, additional two bedrooms separated by a Jack & Jill bathroom down the hall. The primary bedroom has a spacious walk-in closet. Features include recently painted exterior, freshly painted interior, ceramic tile flooring throughout, new AC and water heater, black stainless steel kitchen appliances (includes refrigerator).

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505 W Stanley Avenue San Tan Valley, AZ 85140

$465,500

3 Beds

2 Baths

1,999 SqFt

Status Active

MLS # 6689220

Property Type Single Family Residence

Price Type --

Welcome Home!! This beautiful 3 bedroom, Plus Den, 2 bath, 2 car garage home is located in the desirable and established Ironwood Crossing neighborhood. Large kitchen with granite counter tops, beautiful crown molding on cabinets, custom tile back splash, and stainless steel appliances. Open and spacious floorplan with 8' doors throughout. Ceiling fans in all rooms. Water softener and RO water system. Enjoy relaxing under your extended covered patio with sunshades or under the stars next to your gas fire pit. Exterior was repainted in 2020. This is a must see! Owner has access to Mary Lou Fulton & Ira Fulton Aquatic center. Great community features include parks, basketball courts, pickleball courts and much much more. **Some Furniture is Available on a Separate Bill of Sale*

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16755 W Buckhorn Trail Surprise, AZ 85387

$465,462

4 Beds

3 Baths

2,291 SqFt

Status Active

MLS # 6686984

Property Type Single Family Residence

Price Type --

Can't find what you want on the resale market, look no further. This 4 bedroom, 3 bathroom Pastora plan is open, spacious and livable. The kitchen overlooks the great room and is loaded with upgrades. The kitchen includes 42'' upper cabinets with a gourmet layout, stainless steel appliances, quartz counter top and beautiful back splash. The flooring throughout is upgraded. The 12ft. sliding glass door allows more light into the great room and provides a seamless transition between the indoor and outdoor spaces. Our High Performance Homes come standard with home automation technology and a Reme Halo air purifier to promote a healthy lifestyle. EZ access to the 303 loop. Elementary school is close to community. Home is MOVE-IN READY

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17708 W Eva Street Waddell, AZ 85355

Open House

$465,420

5 Beds

2.5 Baths

1,915 SqFt

Status Active

MLS # 6687003

Property Type Single Family Residence

Price Type --

This GORGEOUS Single Story New Construction home has it all! 1,915 square feet, 5 bedrooms, 2.5 bathrooms, w/ 2 car garage! ***Est COE in May*** Our Quick move-in homes will include appliances and backyard landscape with turf. This home features a modern, neutral color palette, offering 36'' white shaker cabinetry, a large kitchen island, upgraded white quartz countertops, and 9' ceilings throughout. It also includes a soft water loop. This home prioritizes efficiency, with features such as dual pane low-E windows, and a smart home system included. The exterior features front yard desert landscaping, a covered patio and private backyard. Conveniently located off the 303, this community is near Costco, Safeway, and shopping. **Finishes may vary from sample photos and virtual tour.

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9812 E Windy Pass Trail Gold Canyon, AZ 85118

$465,400

3 Beds

2 Baths

1,642 SqFt

Status Active

MLS # 6657193

Property Type Single Family Residence

Price Type --

This popular split floor plan is located in a gated community on a quiet corner lot with mountain views and mature, low-maintenance landscaping in both the front and back yards. The interior features 3bd/2ba split floor plan, open family room with fireplace & skylights, formal dining room (or den), ceiling fans throughout and 9ft+ ceilings. Large primary suite includes great views of the back yard & pool and an en-suite with dual sinks, shower and walk-in closet. The eat-in kitchen features maple cabinets, granite countertops, pantry and breakfast bar. Tile & laminate flooring throughout. Enjoy the pebble tec play pool with waterfall and above-ground spa! The pool has a self cleaning in-ground system. Welcome home!

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1850 E Bernie Lane Gilbert, AZ 85295

$465,205

3 Beds

2.5 Baths

1,812 SqFt

Status Active

MLS # 6693338

Property Type Townhouse

Price Type --

Beautiful, newly built condo now available in Towns at Annecy! This 2-story Spanish/Italian style property offers a lovely kitchen with Stainless Electric GE appliances including a refrigerator, Quartz countertops, and a Delta Faucet. Other highlights include Espresso Shaker style cabinets, Delta Bath Hardware, wood look flooring, two closets in the Primary Suite, and ample storage throughout. A stainless GE Washer and Dryer are also included! Soft Water Loop pre-plumbed only. Enjoy gated access and endless amenities including a pool, spa, playground, and more! Please note that the interior photos are not from this home, they are a reference from a finished model.

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1850 E Bernie Lane Gilbert, AZ 85295

$465,205

3 Beds

2.5 Baths

1,812 SqFt

Status Active

MLS # 6693434

Property Type Townhouse

Price Type --

Lovely new Spanish/Italian style condo now available in the private and gated community of Towns at Annecy. Enjoy endless amenities throughout the community and designer selections throughout the 3 bed, 2.5 bath home. Stainless Electric GE appliances including a Refrigerator, Washer, and Dryer! The kitchen boasts Quartz countertops, a Delta Kitchen Faucet, and Nutmeg Shaker style cabinets throughout. The unit has ample storage including two closets in the Primary Suite. Other highlights include wood look flooring and carpet flooring, Delta bath hardware, and a Soft Water Loop pre-plumbed only. Attached 2-car tandem garage. Please note that the interior photos are not from this home, they are a reference from a finished model.

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5258 E Calle De La Fressa -- Hereford, AZ 85615

$465,000

4 Beds

2 Baths

1,928 SqFt

Status Active

MLS # 6691769

Property Type Single Family Residence

Price Type --

A must see to appreciate is the elegance and peaceful beauty of this new built 4-bedroom modern, country charmer! Boasting magnificent views of the northern/ eastern mountain range & the gorgeous Huachuca mountains, a hike away. The front porch & yard provide an idyllic ambiance for the beauty of this quiet country style neighborhood. Featuring a wonderful spacious open floor plan, to include 4 bedrooms, 2 bathrooms, a den, vaulted ceilings, larger windows, taler doors & an open concept - split bedroom plan, with an oversized 3 car garage. Just beautiful are the buttercream-colored cabinets accented with the darker granite counters. A lovely kitchen island & charming dinning create such a relaxing yet elegant dining experience. The wood tile flooring throughout makes for easy living and a great look. Stop in to see this gorgouse home and you too will fall in love!

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