Buying a home is the main motive behind consumers wanting to improve their credit scores. In this episode, we cover a few first-time homebuyer tips, and John Isgrig shares his experiences streamlining the homeownership journey!  He will be addressing credit improvements that can be accomplished within two to four weeks. We are looking at tactical maneuvering to fit into the algorithms that the three credit bureaus have set and created in 2023. This is a finesse game and we have to be better at playing to help borrowers buy houses. He will answer all of these questions:

• Does becoming an authorized user on a parent/spouse credit card help?
• Does closing inactive accounts help my credit score or should I continue to use them to build credit?
• Does paying a credit card off improve your score faster?
• Does refusing credit card solicitations help my credit by using OptOutPrescreen.com?
• Are new medical collections reported to credit bureaus, and how do I handle old ones?

So, tune in with Marjorie Adam owner of the Marjorie Adam Team & John Isgrig Branch Partner @ ALCOVA Mortgage as he shares how many points in theory, if you do all of them, can you improve your credit score.