• Real Estate User Login
  • Not A User? Sign Up. Its Free

Rick Fuller Realtors, Inc

Top Real Estate Agent Antioch CA, Antioch CA Homes for Sale, Antioch Ca Real Estate, Realtor in Antioch CA

book
Call (888)950-7425
Connect with Rick
  • Home
  • About
    • Meet the Team
    • Who We Are
    • Awards and Accolades
  • Resources
    • Application Instructions
    • Rick’s Market Update
    • Rick’s Picks
      • Business Directory
      • Partner Application
    • Rick’s Pros
    • Market Stats
    • Houzz
    • Mortgage Calculator
    • Early Payoff Calculator
    • Are you Eligible
  • FOR CC KIDS
    • BIRTHDAY BAGS 2020
      • Delivery of Birthday Bags
    • BACKPACKS
  • Our Reviews
  • Contact Us

How to improve your credit score

February 12, 2012 By Rick Fuller

 

Interview with DHI Mortgage, Wendy Shearer and Rick Fuller

(888) 950-7425


 

 

 

 

 

Q.  True/False – after paying off a balance on a credit card, you should close your account

A.  FALSE – you need to have available credit to have good credit

 

Q.  True/False – you should ALWAYS pay off collection accounts PRIOR to applying for a loan

A.  FALSE – paying a collection account MAY decrease your score.  You should visit with your Loan Officer for the correct course of action.

 

Q.  What is the ‘magic’ percentage I am able to charge on my credit card before my score decreases?

A.  30% (keep 70% of  your credit line available at all times)

 

Q.  Which is worse – a 60 day late payment from 12 months ago or a 30 day late payment from 10 months ago?

A.  30 day (recent derogatory account is worse)

 

Q.  Is there a difference between the credit score I was given online and what I would get from my lender?

A.  Yes – can be 100 point difference! (consumer credit scores are different than scores from a lender)

 

Q.  What percentage of us has incorrect info on our credit report?

A.  79%

 

Q.  What percentage of my FICO score is based on my payment history?

A.  Nobody knows the exact formula, but it appears to be approx 35%

 

Q.  What’s the quickest way to increase my credit score

A.  Pay down balances to 30% of the credit limit

 

  • Gina Brookshire NMLS 205881
  • DHI Mortgage Company, Ltd., L.P. Licensed by the Department of Corporations under the California Residential Mortgage Lending Act #413 0364 813 7337
  • Branch NMLS 315197
  • Company NMLS 14622
  • Branch address
  • For information on DHIM licensing please visit http://www.dhimortgage.com/other-pages/licensing/.
  • DHIM is an Equal Housing Opportunity Lender
  • Provided for informational purposes only.  This is not a commitment to lend. Not all borrowers will qualify.
  • The DHI Mortgage Home Buyers Club does not guarantee to raise the credit score or guarantee loan approval. Credit Counseling offered by the DHI Mortgage Home Buyers Club does not assure participants that they will qualify for, or successfully obtain, a home mortgage loan.  Participants are not required to finance their home purchase through DHI Mortgage or to purchase a home from DHI Mortgage’s affiliated builder, D.R. Horton, to enroll in the DHI Mortgage Home Buyers Club.

 

antioch median sales prices

Filed Under: Antioch Community Blog, Brentwood Community Blog, Discovery Bay Community Blog, Linda's Short Sale Blog, Oakley Community Blog, Payment Relief Options Blog, Realtor Rick Blog Tagged With: Antioch, Antioch Foreclosures, antioch homes, antioch real estate, antioch reo, antioch short sales, buying in antioch, ca, credit score, how to repair your credit score, rick fuller

Find Your Dream Home

Need a Mortgage?

Contact Cyndi Donnally
Loan Officer NMLS #2054920
Coole Home
Direct: 925.864.4478
Email: c.donnally@coolehome.com
Apply Now Coole-Homes eho

Need a Mortgage?

Contact Angela Clark
Loan Officer NMLS #958355
Supreme Lending NMLS #2129
Direct: (925) 448-3932
Cell: (925) 597-1293
Angela.Clark@SupremeLending.com
AngelaClark.SupremeLendingLO.com
Apply NOW!
Supreme-lending
eho

Providing Real Estate Services in These San Francisco Bay Area Cities

Alamo
Antioch
Bethel Island
Brentwood
Baypoint
Byron
Citrus Heights

Clayton
Concord
Crockett
Danville
Diablo
Discovery Bay

El Cerrito
El Sobrante
Elk Grove
Hercules
Knightsen
Lafayette
Martinez
Fremont
Folsom
Gault
Hercules
Isleton

Moraga
Oakley
Orinda
Pacheco
Pinole
Pittsburg
Pleasant Hill
Pleasanton

Richmond
Rodeo
San Pablo
San Ramon
Walnut Creek
Livermore
Dublin
Tracy
Sunol

West Sacramento
San Pablo
Rancho Cordova

Sacramento
Florin
Franklin
Laguna
Newark
Hayward

Contact & Location

Rick Fuller Inc., REALTORS®
Antioch Real Estate Agents
Lic #01874995
5079 Lone Tree Way
Antioch, Ca 94531
(888) 950-RICK (7425)

Richmond Location

Rick Fuller Inc., REALTORS®
Richmond CA Real Estate Agents
Lic #01874995
3150 Hilltop Mall Rd
Richmond, CA 94806
(888) 950-RICK (7425)

Client Resources

  • Client Login
  • Create an Account
  • Sign Up for Email Updates
Secure connection to your real estate transaction provided with relay™ Transaction Management

Real Estate Search Tools

  • Basic Property Search
  • Advanced Property Search
  • Property Address Search
  • Property Map Search
  • Rental Search
  • Look-Up property Taxes
Check out Rick Fuller on Yelp

Concord Location

Rick Fuller Inc., REALTORS®
Concord CA Real Estate Agents
Lic #01874995
1320 Willow Pass Rd Suite 600
Concord, CA 94520
(925) 305-3386

*As of 5/30/19, Ranked #1 Real Estate Team in the 9 counties comprising the SF Bay Area and Sacramento County for most recent sales in the past 12 months according to Zillow*

Rick Fuller Team Portal

Copyright © 2023 · Rick Fuller, Inc Realtors · All Rights Reserved · Privacy Policy · Terms of Use · Site By Clifton Creative Web