Do You Know Your Credit Score?

đŸŸ Do You Know Your Credit Score—or Are You Just Guessin’?

Hey hey, future home-fetcher! Becky here—your loyal Barketing Manager at A Notch Above Group and your go-to Goldendoodle for all things real estate. đŸ¶

Let me ask you a quick question (no judgment, pinky paw promise):

👉 Do you actually know your current credit score
 or are you just guessin’ and hopin’ for the best?

Look, I get it. Credit scores aren’t exactly the most exciting thing to sniff out. But if you’re even thinking about buying a home, this little number matters a lot. Let’s dig in and talk about why—and how you can get ahead of the game.

📊 What Is a Credit Score, Anyway?

Think of your credit score like a report card for your borrowing habits. It tells lenders how trustworthy you are when it comes to paying back money. The better the score, the better the loan options you’ll fetch.

Most scores fall between 300 and 850, and here’s a rough breakdown:

  • 800+ – Paw-fect credit

  • 740–799 – Tail-waggin’ excellent

  • 670–739 – Good boy/girl range

  • 580–669 – Needs a little leash work

Below 580 – May need some training (but don’t worry—it’s fixable!)

đŸ¶ Why Your Credit Score Matters When Buying a Home

When you apply for a mortgage, lenders look at your score to decide:

  • If you’re eligible for a loan

  • What interest rate you’ll pay

  • How much you’re allowed to borrow

A higher score = lower rates = more treats left in your budget for toys, snacks, and maybe a fenced-in yard.

❌ Guessing Is Ruff on Your Wallet

Some buyers walk into the mortgage process totally in the dark, thinking:

“I pay my bills
 I probably have good credit, right?” 😬

But here’s the truth:
 Guessing doesn’t cut it.
 Even one missed payment or a high balance can sneak up and bite your score in the tail.

Before you even start shopping for homes, you need to sniff out your actual number—and make sure it’s ready to roll.

✅ Becky’s Tail-Waggin’ Tips to Check Your Credit Score

  1. Use Free Tools Like Credit Karma or Credit.com
     These sites let you check your score without hurting it. It’s like a peek under the porch—no surprises.

  2. Talk to a Trusted Lender
     Many lenders can do a soft pull and give you insight into what loan programs you might qualify for.

  3. Review Your Full Credit Report
     You’re entitled to a free report from each bureau once a year at AnnualCreditReport.com. Sniff it out for errors and fix ‘em if needed.

Avoid Opening New Credit or Making Big Purchases
 Keep things calm and steady, just like a good sit-and-stay, until you’re pre-approved.

đŸŸ Final Bark: Know Before You Fetch

Don’t let a mystery score mess up your homebuying journey.
 Knowing your credit score is the first step to unlocking the front door of your dream home. 🏡

Whether your score’s tail-waggin’ high or needs a little leash training, my team and I are here to help you plan, prep, and paw-sitively crush your home goals.

đŸ“Č Need help finding a lender or checking your score?
 Let’s chat! I’ve got a whole pack of pros ready to walk you through the process—no judgment, just support (and maybe a treat or two).

đŸŸ Like our page to stay in the loop on all things North Country real estate and to see what wild, wacky, or wonderful day I’m celebrating next! 🎉


 🔁 Share my posts to help your friends fetch their dream home—or fetch their credit score.


 💬 Got questions about buying or selling? Slide into our DMs—I’ve got a whole team of humans ready to help you every step of the way (I supervise, of course). đŸ¶

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