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Hi there!
Planning to buy a home in 2025? Here’s what you need to do to prepare your credit history!

1️⃣ Check your credit report.
Visit annualcreditreport.com to get your credit report for free, and for just $0.99, you can see your credit score. If you find any inaccuracies, send a dispute to the credit bureau—they are required to respond within 30 days.

2️⃣ Reduce your credit card usage and pay down debts where possible.
Try to keep your balance below 30% of your credit limit. Paying off debts not only boosts your credit score but also lowers your debt-to-income ratio, which lenders consider when approving a loan.

3️⃣ Pay your bills on time.
Even one late payment can seriously hurt your score. Set up autopay to ensure you never miss a due date.

4️⃣ Avoid opening new credit accounts.
Each new inquiry can temporarily lower your score, so be cautious about taking on new credit.

🌟 Remember:
The better your credit score, the better mortgage terms you’ll be able to secure.

Have questions? Drop them in the comments or send me a DM—I’m always happy to help!
#mortgage #mortgagebroker #chicago #chicagoland #realestate #realestatechicago #realtorchicago #realtor #investment

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