{"id":115740,"date":"2021-06-03T16:00:00","date_gmt":"2021-06-03T16:00:00","guid":{"rendered":"https:\/\/icrowdnewswire.com\/?p=2877036"},"modified":"2021-06-03T16:00:00","modified_gmt":"2021-06-03T16:00:00","slug":"tyler-keith-andrews-president-at-creditiq-offers-insights-for-first-time-home-buyers","status":"publish","type":"post","link":"https:\/\/ipsnews.net\/business\/2021\/06\/03\/tyler-keith-andrews-president-at-creditiq-offers-insights-for-first-time-home-buyers\/","title":{"rendered":"Tyler Keith Andrews President at CreditIQ, Offers Insights For First Time Home Buyers"},"content":{"rendered":"

Tyler Keith Andrews Offers Insights For First Time Home Buyers<\/h1>\n

If you\u2019re looking to purchase a home, it\u2019s wise to build up your credit score beforehand. Credit rehabilitation expert Tyler Keith Andrews offers advice.<\/h3>\n

Real estate markets have been quite hot in recent months and home prices continue to gain ground. Many people are looking to purchase homes, often for the first time. Anyone looking to buy a home should first build up their credit score, however. Tyler Keith Andrews<\/a>, a credit rehabilitation expert, and president at CreditIQ, offers advice.<\/p>\n

\u201cA high credit score will keep interest down and can reduce your overall payment,\u201d Tyler Keith Andrews<\/a> argues. \u201cThe difference of twenty or thirty points on your credit score can make a huge difference, potentially cutting interest by a point or more.\u201d<\/p>\n

The higher your credit score, the more likely you are to be approved for a mortgage. While a credit score of 620 is often seen as the minimum for a traditional mortgage, the higher the better. That\u2019s especially true given the COVID-19 pandemic. Economic uncertainty has caused some lenders to raise minimum credit score requirements.<\/p>\n

So how can you raise your credit score? Tyler Keith Andrews<\/a>, President at\u00a0CreditIQ,\u00a0offers some insights:<\/p>\n

\u201cFirst, you\u2019ll want to lower any credit card balances you have. It\u2019s best to make sure that you\u2019re not using more than 30% of your credit limit. Reducing your credit card balance may improve your credit score in a matter of weeks or even days.\u201d<\/p>\n

Interestingly, one way you can sometimes increase your credit score and lower your credit utilization is to take out bigger credit lines and more credit cards. This might seem counterintuitive, but if increasing your credit limit decreases your credit utilization from 50% to 25%, you might enjoy a big boost.<\/p>\n

\u201cIncreasing your credit limit is often smart,\u201d Tyler Keith Andrews says. \u201cHowever, there are some potential pitfalls. Hard credit checks can impact your score, for example. It\u2019s smart to work with financial experts to figure out the right approach given your situation.\u201d<\/p>\n

It\u2019s also smart to figure out when your credit issuers, such as your bank, report payments to credit bureaus. If the bank reports a few days before your billing cycle ends, and you tend to pay right on the due date a few days later, you may appear to be carrying a high balance even though you\u2019re paying all your bills on time.<\/p>\n

Tyler Keith Andrews Talks About Credit Report Disputes<\/h2>\n

Anyone looking to take out a mortgage should get copies of their credit report from the three major agencies. Then, you should closely examine each report to see if there are any discrepancies or issues.<\/p>\n

In some cases, borrowers have paid off a debt, but that isn\u2019t accurately reflected on the credit report. Sometimes, people are the victims of fraud and someone else has taken out a credit card or loan in his or her name.<\/p>\n

\u201cAnalyzing your credit reports can take a bit of work,\u201d Tyler Keith Andrews<\/a>, President at CreditIQ says. \u201cBut if you uncover something you can dispute, it could boost your credit score by quite a bit.\u201d<\/p>\n

Tags: \u00a0<\/a> <\/p>\n

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The post Tyler Keith Andrews President at CreditIQ, Offers Insights For First Time Home Buyers<\/a> appeared first on Financial Market Brief<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"

Tyler Keith Andrews Offers Insights For First Time Home Buyers If you’re looking to purchase a home, it’s wise to build up your credit score beforehand. Credit rehabilitation expert Tyler Keith Andrews offers advice. Real estate markets have been quite hot in recent months and home prices continue to gain ground. Many people are looking […]<\/p>\n

The post Tyler Keith Andrews President at CreditIQ, Offers Insights For First Time Home Buyers<\/a> appeared first on Financial Market Brief<\/a>.<\/p>\n

Continue Reading →<\/span><\/a><\/p>\n","protected":false},"author":291,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[20],"tags":[],"class_list":["post-115740","post","type-post","status-publish","format-standard","hentry","category-press-release"],"yoast_head":"\nTyler Keith Andrews President at CreditIQ, Offers Insights For First Time Home Buyers - Business<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ipsnews.net\/business\/2021\/06\/03\/tyler-keith-andrews-president-at-creditiq-offers-insights-for-first-time-home-buyers\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Tyler Keith Andrews President at CreditIQ, Offers Insights For First Time Home Buyers - Business\" \/>\n<meta property=\"og:description\" content=\"Tyler Keith Andrews Offers Insights For First Time Home Buyers If you’re looking to purchase a home, it’s wise to build up your credit score beforehand. 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