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Steps to Take Now to Build Your Credit for a Home Purchase Next Year

October 2, 2024 by Robby Oakes

If you’re thinking about buying a new home next year, there’s one important factor to consider before you start browsing listings–your credit score. A strong credit score can make a huge difference in the interest rates you will qualify for and can also determine your mortgage approval.

Filed Under: Credit Scoring Tagged With: Credit Score, Credit Tips, Mortgage Ready

Hard Inquiry vs. Soft Inquiry — What’s the Difference?

July 17, 2024 by Robby Oakes

Most people know that your credit score can drop if you miss a payment or have a new collection filed against you. But how about when you apply for new credit? Yes, a credit application will trigger a “hard inquiry” on your report, which can have an impact on your credit score. Here’s what to know about hard inquiries, and how they compare with “soft inquiries.”

Filed Under: Credit Scoring Tagged With: Credit Score, Credit Tips, Hard Inquiry

Robby Oakes


Robby Oakes

CIMG Managing  Director
NMLS# 91606

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