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Tips: how to improve credit


•As a home buyer, you will find that credit rating will have a substantial impact to what rates you qualify for. That old late payment on your credit card does not have to affect you negatively.
•Most lenders offer a credit analysis if you are bordering on the next tier credit score to qualify. Instead of waiting 30-60 days, they will do it at no cost and your scores improve in 3-5 business days. 
•Got a family member with great credit? You can be added as an authorized user on their credit card and boost your rating in 30-45 days.
•Credit resolutions: get a free copy of your report on from any of the three bureaus Experian, Transunion, Equifax directly. If a creditor has reported a late incorrectly, all you need is for them to issue a letter to show the correction. This often fixes your credit scores and shows a boost. 

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