{"id":4315,"date":"2022-10-25T12:17:54","date_gmt":"2022-10-25T12:17:54","guid":{"rendered":"https:\/\/demo1.vonkdigital.com\/building-your-credit\/"},"modified":"2023-01-16T23:12:14","modified_gmt":"2023-01-16T23:12:14","slug":"building-your-credit","status":"publish","type":"post","link":"https:\/\/mega4.vonkdigital.com\/~spahr\/building-your-credit\/","title":{"rendered":"Building Your Credit"},"content":{"rendered":"<div>\n<p><strong>If you are getting ready to buy a house in the next few years, taking time to build your credit is a great way to get the best rates and keep your costs down. Here are a few steps that you can take today to get your credit in the best shape possible.<\/strong><\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-784\" src=\"https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2022\/10\/Building-Your-Credit.jpg\" alt=\"Building Your Credit\" width=\"800\" height=\"533\" srcset=\"https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2022\/10\/Building-Your-Credit.jpg 800w, https:\/\/www.vonkmortgageblog.com\/wp-content\/uploads\/2022\/10\/Building-Your-Credit-300x200.jpg 300w, https:\/\/www.vonkmortgageblog.com\/wp-content\/uploads\/2022\/10\/Building-Your-Credit-768x512.jpg 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\"><\/p>\n<p>\u00a0<\/p>\n<h2>Three Tips for Building Your Credit<\/h2>\n<h3><strong>Make Payments On Time<\/strong><\/h3>\n<p>It seems like a simple step but it is one of the most critical to building and maintaining good credit. If you make your payments on time, your lender knows that they are likely to get their monthly mortgage payments on time as well. If you struggle to remember to make your payments, you can always set up an autopay or auto draft with your bank. This makes it easy to keep those payments going where they need to go when they need to go there.<\/p>\n<p>\u00a0<\/p>\n<h3><strong>Reduce Debts<\/strong><\/h3>\n<p>One of the most important things that you need to consider is your debt-to-income ratio, DTI. Lenders look at this ratio to see how much money you need to pay out monthly to cover your debts compared to how much money you have coming in as income. Debt from credit cards, car loans, student loans, medical debt, and other sources can take up a big portion of your budget. Try to make extra payments whenever possible to get these debts out of your life.<\/p>\n<p>\u00a0<\/p>\n<h3><strong>Getting Credit<\/strong><\/h3>\n<p>One of the biggest problems that younger home buyers have is that they don\u2019t have a long credit history. While there is no substitute for time, keeping lines of credit open (even if you don\u2019t use them) can show that you have a long history with a certain bank or financial institution. Just be wary of opening new lines of credit that you don\u2019t need. Not only does this make things more complicated, it can also be tempting to spend money and build up debt.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>If you are getting ready to buy a house in the next few years, taking time to build your credit is a great way to get the best rates and&hellip;<\/p>\n","protected":false},"author":1,"featured_media":4316,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_mbp_gutenberg_autopost":false,"footnotes":""},"categories":[11,221,1,229],"tags":[],"post_series":[],"class_list":["post-4315","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-first-time-home-buyer","category-home-owner-tips","category-mortgage-news","category-mortgage-tips","entry","has-media"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Building Your Credit - American Dream Home Team<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/mega4.vonkdigital.com\/~spahr\/building-your-credit\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Building Your Credit - American Dream Home Team\" \/>\n<meta property=\"og:description\" content=\"If you are getting ready to buy a house in the next few years, taking time to build your credit is a great way to get the best rates and&hellip;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/mega4.vonkdigital.com\/~spahr\/building-your-credit\/\" \/>\n<meta property=\"og:site_name\" content=\"American Dream Home Team\" \/>\n<meta property=\"article:published_time\" content=\"2022-10-25T12:17:54+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-01-16T23:12:14+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/mega4.vonkdigital.com\/~spahr\/wp-content\/uploads\/2022\/10\/Building-Your-Credit.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"800\" \/>\n\t<meta property=\"og:image:height\" content=\"533\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Vonk Support\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Vonk Support\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/mega4.vonkdigital.com\\\/~spahr\\\/building-your-credit\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/mega4.vonkdigital.com\\\/~spahr\\\/building-your-credit\\\/\"},\"author\":{\"name\":\"Vonk Support\",\"@id\":\"https:\\\/\\\/mega4.vonkdigital.com\\\/~spahr\\\/#\\\/schema\\\/person\\\/5339068f3f903c7bd14985fc64e6dc23\"},\"headline\":\"Building Your Credit\",\"datePublished\":\"2022-10-25T12:17:54+00:00\",\"dateModified\":\"2023-01-16T23:12:14+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/mega4.vonkdigital.com\\\/~spahr\\\/building-your-credit\\\/\"},\"wordCount\":328,\"publisher\":{\"@id\":\"https:\\\/\\\/mega4.vonkdigital.com\\\/~spahr\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/mega4.vonkdigital.com\\\/~spahr\\\/building-your-credit\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/mega4.vonkdigital.com\\\/~spahr\\\/wp-content\\\/uploads\\\/2022\\\/10\\\/Building-Your-Credit.jpg\",\"articleSection\":[\"First Time Home Buyer\",\"Home Owner Tips\",\"Mortgage News\",\"Mortgage Tips\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/mega4.vonkdigital.com\\\/~spahr\\\/building-your-credit\\\/\",\"url\":\"https:\\\/\\\/mega4.vonkdigital.com\\\/~spahr\\\/building-your-credit\\\/\",\"name\":\"Building Your Credit - 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