Currently Improving Credit

đŸŸ Are You Currently Working on Improving Your Credit Score?

Hey fur-iend! Becky here—your favorite Barketing Manager at A Notch Above Group, and I’ve got an important question for you:

👉 Are you currently working on improving your credit score?

If your answer is “yes,” “kind of,” or even “uhh, should I be?”—you’re in the right place. đŸ¶

Improving your credit score is one of the smartest things you can do if you’re planning to buy a home, refinance, or just want to be in better financial shape overall. And the good news? It doesn’t have to be scary or overwhelming.

Let’s sniff out some tail-waggin’ tips to help you build better credit—one smart move at a time!

💳 Why Your Credit Score Matters

Your credit score is like your financial report card. It tells lenders if you’re likely to be a good borrower who pays on time—or if you’re the type who might chase the ball halfway and then forget what you were doing. đŸŽŸ

A higher credit score can help you:

  • 🏡 Qualify for a mortgage

  • 💰 Get lower interest rates

  • 🚗 Save money on car loans and insurance

  • đŸ§Ÿ Access better credit card and loan options

Bottom line: More credit score = more financial treats.

đŸŸ Tail-Waggin’ Tips to Improve Your Credit Score

1. Pay All Bills On Time

This is the #1 factor in your credit score. Even one late payment can bring it down.

Becky’s Tip: Set up autopay or calendar reminders so nothing slips through the cracks.

2. Lower Your Credit Card Balances

Lenders love when you use less than 30% of your credit limit. Under 10%? Even better!

Example:
 Got a $1,000 limit? Try to keep your balance below $300.

3. Don’t Open New Accounts Right Before Applying for a Loan

Each new application can temporarily lower your score. So paws off those store credit card offers—at least for now.

4. Dispute Credit Report Errors

Mistakes happen. If you see anything suspicious—like accounts that aren’t yours or payments marked late when they weren’t—dispute them right away.

Visit AnnualCreditReport.com to get a free copy from all three bureaus.

5. Become an Authorized User

If you’ve got a trusted friend or family member with excellent credit, ask if they’ll add you as an authorized user on their credit card. Their good habits can give your score a little boost!

(Just make sure they pay on time and keep their balance low.)

⏳ How Long Does It Take to Improve a Credit Score?

While there’s no magic overnight fix (sorry, fur-iend!), many people see real improvement in just 30–90 days with consistent habits. The earlier you start, the sooner you’ll be mortgage-ready.

🏡 Planning to Buy a Home?

If you’re currently working on improving your credit to buy a home, you’re already ahead of the pack! đŸŸ

Our team works with buyers at every stage of the journey—whether you're ready to fetch the keys or just getting your credit leashed and trained.

đŸ“Č Need help creating a credit improvement plan?
 Let’s talk! We’ll connect you with trusted lenders who’ll pull your credit, explain your score, and help you take the next steps toward homeownership.

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 this post with someone who’s working on their credit—because teamwork makes the dream home work.


 💬 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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