Credit scores are a joke

Plus 6 tips to help your clients' credit scores
  • The percent of available credit and your on-time payment history are the two biggest determining factors in your credit score.
  • A great payment record at a department store is good, but it's less influential than American Express, MasterCard or Visa.
  • Make sure all your your clients are pre-approved for a loan before beginning the home search.

Did you know that the same credit bureau could report three wildly different numbers for your credit score on the same day? More importantly, what steps can you take to improve your personal score and help your clients navigate their way to a final loan approval?