When you are looking to buy a home or refinance it is important that your credit is in tip-top shape. It is often a credit score that gets in the way of a home buyer and their dream home. Credit today means everything as far as your purchasing power. So if you want to be ready when opportunity knocks read on for some for smart ideas on how to keep your credit score going up.

1. Use your credit cards.

This may sound funny but it is important to have credit over having no credit. Paying in cash and over using credit cards isn’t always a good move for your credit score. Cards that are seldom used are often shut down or closed by the credit card companies. Because 30 percent of your credit score is based on your debt-to-credit-limit ratio you will want to have a high your total available credit. Having one account closed increases that ratio of available credit to debt and thus lowers your credit score.

2. Pay off your credit cards.

It may seem to make sense to pay off the highest-interest card first and save the most money in the end. But your credit score will get a bigger boost from knocking off the lowest-balance card. Instead of spreading your monthly payments equally among credit cards, pay down the lowest-balance card first and pay minimum balances on the rest. As you pay off each card, apply the money you would have paid on it to the next-lowest-balance card.

3. Don’t close cards once they are paid off.

The length of time you’ve had credit determines fifteen percent of your score. By closing your oldest account, you can shorten the length of your credit history causing a big hit to your score.

4. Keep the balance low

Much of your credit score is determined by your debt-to-credit-limit ratio on individual accounts. Maxing out one card raises your debt-to-credit-limit ratio and your credit score. So be sure to keep balances as low as possible. Try to target no more than 30 percent of your credit limit.

5. Stay away from retail-card accounts.

These are a big no-no. Retail store cards often have lower limits and higher interest rates. So running up balances on low-limit store cards affects your credit score more negatively than does using one or two bank cards. So in the long run the fifteen percent you were going to save on the one purchase will probably cost you more in the end.
 

Great Gambrel w/ Full Dormer featuring 1st floor w/ fantastic 25×25 family room w/ vaulted ceiling, roaring woodstove, window quilts to keep the heat in or out, skylights, central A/C, built in bar closet & new sliders to deck overlooking huge private backyard w/ shed, excellent eat-in kitchen w/ island & tile floor open to formal dining room w/ gleaming hardwood floor, spacious living room w/ brick wood fireplace, office/1st floor 4th bedroom & full bathroom w/ tile floor, 2nd floor w/ front to back master w/ central A/C, 2 more sizable bedrooms & full bathroom w/ tile floor, full finished basement w/ cozy den w/ pellet stove & tile floor leading to huge entry hallway w/ storage galore, utility/laundry room & 2 car auto open direct entry garage plus vinyl siding, some new windows, public water & sewer, economical natural gas heat, 4 year old multi-zone FHW boiler, new chimney liners & paved driveway w/ basketball hoop all on nicely landscaped .55 acre lot bordered by stonewall

This is a Gambrel/ W/Addition style home and features 8 total rooms, 2 full baths, 4 bedrooms, 0.55 Acres, and is currently available for $299,900.

For complete details click here.

Scrubbing the bathroom is not a fun job. Add smelly, expensive chemicals to the mix and cleaning the commode can be a real drag. You can get your toilet sparkly clean in no time and with regular household items.

Here is a recipe for homemade toilet cleaner:

Ingredients

1 cup borax
1/4 cup vinegar or lemon juice

1. Combine the borax and vinegar to make a paste.

2. Apply it to the inside of the toilet bowl, let sit for 1 to 2 hours.

3. Scrub the bowl.

What is your favorite natural house cleaner?

Goffstown, NH:

This Single-Family in Goffstown, NH recently sold for $245,000.

This property features 3 full baths, 3 bedrooms, and was sold by
Peter Beauchemin – RE/MAX Synergy – Bedford

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