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Thank you Amber and Jwon Woodard. Boosting your credit score to 800 or higher typically requires a combination of responsible financial habits and time. Here are some steps you can take to improve your credit score:

1. Check your credit reports:

   • Obtain free copies of your credit reports from the three major credit bureaus (Equifax, Experian, and TransUnion) at AnnualCreditReport.com. Review them for errors, discrepancies, or fraudulent activity.

2. Dispute inaccuracies:

   • If you find any errors on your credit reports, dispute them with the credit bureaus. Correcting inaccuracies can have an immediate positive impact on your credit score.

3. Pay your bills on time:

   • The most significant factor affecting your credit score is your payment history. Make sure to pay all your bills, including credit cards, loans, and utilities, on time. Set up reminders or automatic payments to avoid late payments.

4. Reduce credit card balances:

   • High credit card balances relative to your credit limits can negatively impact your credit score. Aim to keep your credit card utilization rate (credit card balances divided by credit limits) below 30%. Pay down your credit card debt as much as possible.

5. Avoid opening too many new accounts:

   • Opening multiple new credit accounts in a short period can lower your credit score. Only apply for credit when necessary, and try to space out applications.

6. Maintain a mix of credit types:

   • A diverse mix of credit accounts, such as credit cards, installment loans, and mortgages, can have a positive impact on your credit score. However, don’t open new accounts solely for this purpose.

7. Keep older accounts open:

   • The length of your credit history matters. Keep older, well-managed accounts open to demonstrate a longer credit history.

8. Be cautious with closing accounts:

   • Closing credit card accounts can affect your credit utilization ratio and the average age of your accounts. If you must close an account, consider closing newer ones first.

9. Use credit responsibly:

   • Demonstrating responsible credit use over time will help improve your credit score. Avoid maxing out your credit cards and only borrow what you can comfortably repay.

10. Monitor your credit regularly:

    • Keep an eye on your credit reports and scores regularly. Many websites and apps offer free credit monitoring services that can alert you to changes in your credit profile.

11. Be patient:

    • Building or improving credit takes time. Consistently following good credit habits will gradually increase your score over time.

Remember that individual results may vary, and reaching a credit score of 800 or higher may take some time. However, you can steadily improve your credit score with discipline and responsible financial management.

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The news making fun of Former President Donald Trump

https://www.youtube.com/watch?v=NEoOJ0uRskY

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Funny jokes

https://www.youtube.com/watch?v=DfrNUauKuN8

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WTF. Anyone want to adopt a Beagle?

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Dustin Dumestre, how will this verdict against the National Association of Realtors affect loan officer and real estate agent referral partner relationship?

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Instead of going through FHA TITLE I LOANS the easy alternative is to get a second non-qm loans up to 70% LTV. But the minimum loan amount is $75,000.

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So what is different about buying a house in Puerto Rico 🇵🇷 than in the mainland United States?

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What happened?

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Properly inspection is not required on a home purchase. Home appraisal is required