HOW TO GET A BETTER CREDIT SCORE

When you apply for a mortgage, you should have the best credit score possible. Raising your credit score isn’t an overnight job—it may take months, even years—but in the end it will be worth it. Credit scores are based on information from your credit report. The most important factor (accounting for 35% of your score) is your payment history, followed by 30% for the amounts you owe, 15% for the length of your credit history, 10% for new credit and 10% for the types of credit you have. The best thing you can do to raise your score is to pay your bills on time. Keeping your balances low and not opening too many new accounts at the same time can make a big difference, too. Ask your lender what you can do to improve.

If your desired career would leave you at the same pay level or improve your pay, this is a good time to focus on studying, planning, and moving toward the new career. If you have a longtime dream, start working toward it part-time, in addition to your regular job. If doing so
creates additional income, that's even better, but it's not necessary. The point is to move toward a better life both financially and emotionally. Having a positive goal that excites you makes other goals easier to pursue. If you're dissatisfed with what you're doing but you don't have a specific idea about what you want to pursue, investigate options. Take a few courses. Talk to friends. Consult a career counselor.
Think carefully about your feelings for the place you're living - not the house, but the surroundings. Don't confuse your dislike for your job or fnancial situation with a dislike for where you live, and don't mistake discontentment with a modest lifestyle for feeling like you belong elsewhere. This is not about upgrading your lifestyle; it's about fnding a place that's both more soothing and more affordable. And don't move without carefully considering the costs, because you don't want to increase your debt burden. Here are some questions to ask yourself, plus some considerations and sources of information to help you come to a decision:

Would you be happier in a different setting - city versus suburbs, small town versus big town?

If so, you may be viewed as a risk to a mortgage lender. This is because the mortgage lender will see your credit limits as potential debt. Because you can charge up those credit cards to your limit, they figure that amount into what you could owe each month. Lenders look at your total debt for a month and compare it to your income. If the ratio is too high, you are too much of a risk and you could be denied a mortgage. So, close any unnecessary credit card accounts and promise yourself you won’t open any new ones until well after your mortgage has been approved and you have moved into your new home. Now, as you set out to begin saving for your home, your best bet is to write out a goal amount and starting to get educated about finances.

Then, break that down into minimonthly goals either by determining the maximum amount you can save each month or the amount of time you want to wait to buy your home. Open up a money market account or a term-builder account that will deduct money from your checking account each month. This is the easiest way to save.

Are prices too high where you live? Is there somewhere else where you would enjoy living and where the cost of living is lower, but where you can still obtain a reasonable income? Are you far away from family and friends, necessitating lots of travel and expensive phone bills to stay in touch? Analyze your feelings honestly. Discuss them with friends and family. Do nothing in a hurry. Be open with others and with yourself. Ask yourself whether you really feel like you don't belong or are just trying to escape your debt, your job, your responsibilities, or yourself. Check the library or bookstore for guides to places that might interest you. A number of available books list statistics such as cost of living, average wages, housing costs,weather, schools, and recreational opportunities for places all around the United States.

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