Connie Lewis is the Bank of America mortgage loan rep in our Keller Williams Walnut Creek office.  She sent me a link to a website that offers a free credit check.  The site claims checking your own credit will not lower your score.  For more information on check your credit for free click here.

Here are some other tips:

Keep Your Credit Score High Forever.

Know before you Go! Buy or Refinance.

1. Pay all bills on time each month. 30-day late payment can affect your credit score up to 107 points.

2. Do not quit your Job while in a Real Estate transaction.

3. Do not open or close any accounts, Do not purchase an Automobile (while in a real estate transaction and or credit repair) Call me so I can share with you the best creditors.

4. If you pay off a credit cards or an equity line of credit, do not close the account.

5. Try to keep your credit card balances below 30% of the High Credit Limit for that card at all times. (Example: if my Visa has a Limit of $1000, than I would try not to exceed $300 owed on that Visa) This will help in keeping your score high.

6. Keep your credit cards active. If you carry No balances each month and if you hardly ever use your credit cards, At least spend 5-20 dollars every 4-5 months.

7. Do not have multiple inquires into your credit.

8. Avoid large money transfers from one account to another or large
deposits/withdraws before and during your Purchase/Refinance.

9. Avoid at all cost using a Consumer Credit Counseling Companies.
(CCC ).

10. Do not carry your Social Security Card on you; Keep in a safe location at home or safe deposit Box.

11. Share this information with your friends and family.

12. Call Jill Cruey 925-207-8992 to get started on the right path.