How’s Your Credit?

🐾 How’s Your Credit? (Becky’s Got Questions and Tail-Waggin’ Tips)

Hey there, fur-iend! Becky here—your favorite Barketing Manager at A Notch Above Group. 🐶

If you’ve been thinking about buying a home (or even just dreamin’ about one with a fenced-in yard and a fireplace for naps), then I’ve got one big question for ya:

👉 How’s your credit?

I know, I know... it’s not the most exciting thing to think about. But when it comes to fetching your dream home, your credit score is kind of a big deal.

Let’s dig into why it matters—and what you can do to keep it in tip-top tail-waggin’ shape. 🦴

💳 Why Your Credit Score Matters

Think of your credit score as your financial first impression. When lenders decide whether to give you a mortgage (and at what rate), it’s one of the first things they sniff out.

A higher score =
 ✅ Better loan options
 ✅ Lower interest rates
 ✅ More wag-worthy monthly payments

A lower score =
 ❌ Higher rates
 ❌ Stricter requirements
 ❌ Possible delays in your homebuying journey

🕵️‍♀️ How to Check Your Credit (No Magnifying Glass Needed)

You don’t have to be a detective to check your credit. Here’s how to do it:

  1. Get your free credit reports from all three bureaus (Equifax, Experian, and TransUnion) at AnnualCreditReport.com

  2. Use free tools like Credit Karma or Credit.com for regular score updates

  3. Ask your lender for a mortgage pre-approval—they’ll check your score and help you plan your next move

Becky’s Pro Tip: Checking your own score is a soft pull—it won’t hurt your credit!

🐶 What’s a “Good” Credit Score Anyway?

Here’s a quick breakdown:

  • 800+ – Paw-fect credit

  • 740–799 – Excellent, A+ tail wags

  • 670–739 – Good, solid bones

  • 580–669 – Needs a little leash training

Below 580 – Time to clean up those credit boo-boos

🧼 Becky’s Top Credit Tips for Buyers

If your score needs some grooming, don’t worry—I've got you covered!

🦴 1. Pay Bills on Time

Set reminders or autopay. Late payments are a top reason scores drop.

🦴 2. Keep Credit Card Balances Low

Try to stay under 30% of your total limit. Under 10% is even better!

🦴 3. Don’t Open New Credit Right Before Buying

Lenders like steady paws—not sudden leaps.

🦴 4. Review Your Credit Reports for Errors

Mistakes happen. If you see something off, dispute it ASAP.

🦴 5. Work With a Lender Early

The right lender (we know a few!) can help you create a plan—even if you’re not quite mortgage-ready yet.

🏡 The Bottom Line: Know Before You Fetch

So… how’s your credit?
 If the answer is “I’m not sure,” that’s okay! You’re not alone—and now’s the paw-fect time to find out.

Knowing your score helps you set goals, make smart decisions, and fetch the best possible deal when you’re ready to buy a home.

And when you’re ready? My team and I are here to lead the way—no leash pulling, just tail-waggin’ support every step of the journey.

📲 Thinking about buying a home? Not sure if your credit’s ready?
 Let’s chat! We’ll connect you with trusted local lenders who’ll help you check your score and prep for success (and maybe even reward you with a treat for being so responsible 🐾).

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 💬 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). 🐶

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