5 of The Biggest Credit Mistakes  


Thinking about your credit score can make some people nauseous and their palms sweat. It doesn’t have to be this way! Remember, whatever your credit score is today, it can change.

When it comes to your credit, these are the 5 of the biggest mistakes you might be making which could be keeping you from owning a home in the Boise area.

Number 1:Maxed out cards cause your credit score to go down by anywhere from 10 to 45points depending on what your current credit score is. Did you know that the higher your credit score, the more it is impacted when you make one of these mistakes?

Number 2: A 30-Late Payment negatively affects your score anywhere between 60 and 110 points, so pay your bills on time, don’t let them go to a 30 day late. 

Number 3: A Debt Settlement drops your score from 45 to 125 points.

Number 4: A foreclosure affects your score between 85 and 160 points

Number 5: A bankruptcy negatively affects your score and can drop it anywhere from 130 points to 240 points. 

For amore detailed report on how to maximize your credit, reach out to me. I’d love to be a resource for you so you can make sure you have a solid credit score and keep it that way!

The best way to find out how far away you are from owning a home in Boise or the surrounding cities is to speak with one of my preferred lenders. Please contact me today, so we can get your on your way to home ownership.


Kate McGwire 

Your Homes is My Business