“How can I improve my credit scores?”
This is probably one of the top questions we are asked at American Reporting Company. But to fully understand how to improve scores, we should look at the number one question: “Why did I receive this score?” The benchmark credit scores in the mortgage industry are FICO Scores. They are determined by five main categories but the first two are the most important. 35% is determined by your payment history on all accounts. Are you paying your bills on time? [...]
