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Primary Residential Mortgage, Inc.
10121 N Rodney Parham, Suites C & D
Little Rock, AR 72227
855-474-7169
501-225-5626
NMLS # 3094
Branch NMLS # 252910
Licensed by Arkansas Securities Department 11558
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Equal Opprtunity Lender

Some products and services may not be available in all states. Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice.

Best- Kept Secrets on How to Rebuild Your Credit Score

Your credit score is one of the very first things that your Utah lender will check if you’re applying for a mortgage. However, if you’re one of the people who was affected by the economy’s fluctuation, then your credit score might not be as good as it used to be. But is there any way to have it fixed?

Your credit score is like a measurement of how good you are with managing your finances. It contains all the information about your existing debts, your payment histories for all you bills, and even your credits. So, if your credit score is below the required score that lenders in Utah consider, then there’s very little chance that your mortgage will get approved. Fortunately, there is a way on how to fix your credit score again. Here are just some of them:

Tip #1: Pay Your Bills before It’s Due

The due date on all your bills marks the 30th day of your service. So if you wait to have it paid 5 to 10 days after, then there’s a chance that your account will be considered as delinquent. On top of that, it will create a confusion on your part, thinking that you are paying your bills on time. Keep in mind that the due date is different from a grace period. Following the grace period instead of the due date would make you think that you still have more than 30 days to have it paid. All companies in Salt Lake City may be doing that, but in order to rebuild your credit score, you need to have self- discipline. Always make sure to pay your bill on the actual due date and make it a habit. In a few months, you’ll get used to paying your bills on the actual due date and before you know it, your credit score is already fixed! You need to create a good impression on your lenders that you’re good with budgeting your expenses, and the best way to do that is paying your bills on or before it’s actually due.

Tip #2: Manage Your Finances

This may sound easy, but managing your finances is a challenge for everyone, especially to those who barely even have anything to get by. But the only way to get your credit score fixed is by knowing how to manage your resources. You may want to get a paper and list all your expenses based on how important they are. Check the ones that are on the bottom and see if you can survive without those things. Cutting off some of your expenses can help you with your savings which you can use to pay off some of your debts.

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