Ways you are Accidentally Improving your Credit Score

Credit doesn’t just decide whether you get approved for a mortgage, it quietly shapes what you pay and what options you have long before you’re house hunting. We talk through the real ways a credit score shows up in everyday life, from home insurance pricing to employment checks, and why waiting until you “need” credit is usually too late.

We get practical with a set of habits that can improve your FICO score without games or gimmicks: keeping older credit cards open to preserve credit history, avoiding repeated hard inquiries from store card offers, and managing credit utilization so one high balance doesn’t drag you down. One of the most useful takeaways is a simple timing move for credit cards: if you pay after the statement cuts, the statement balance can still report high even if you never pay interest. Shift the payoff to before the billing cycle ends and you can keep the rewards while reporting a cleaner balance.

We also cover piggybacking as an authorized user to help someone build credit quickly, plus the confusion around FICO vs VantageScore when you check scores online. Along the way, we share why checking your credit report matters, how mistakes happen, and how monitoring or freezing credit can help protect you from fraud. If this helped you, subscribe, share it with a friend planning a move, and leave a review. What’s the one credit habit you want to change first?

You can always find U. S. Home Talk and connect with the hosts and the community at their facebook page https://www.facebook.com/U.S.HomeTalk/ or at our website, USHomeTalk.com

Transcript

Welcome And How To Watch

Mike Ouverson 0:16

Hey folks, welcome to another episode of US Home Talk. I'm your host, Mike Goberson with Illuminate Bank. On the show with me today, Jason Walgrave, Walgrave Real Estate Group at Remax Advantage Plus, talking everything, real estate, everything, mortgages. If you haven't caught our show before, uh, we're on Wednesdays. Wednesdays at noon is when we're on. You can catch all of our past shows on our website at ushometalk.com or any of the podcast services uh that you subscribe to. Um but we uh kind of have an open forum. We pick a topic, uh real estate mortgage related. Um we talk about that topic, but we welcome your comments and your questions and your thoughts as well. Um so feel free to connect with us on you know the Facebook, uh, the YouTube. Uh what else is there? We on MySpace. Do we have a MySpace handle? No, not yet. No, no, MySpace handle. We're working on that one. Yeah, too new for us. We have an AOL email account.

Jason Walgrave 1:14

I get those once in a

Why Credit Shapes Real Life

Jason Walgrave 1:15

while. Sub clients that are rocking the AOL. I always give them a hard time. Have to do it. I'm just like the the AOL and the hotmail accounts are the two that I give people a hard time about.

Mike Ouverson 1:24

Absolutely. Yep, but you could find us, you can find us on that inner web thing that they have out there. It's the inner web, I think is what it's called. Um, and uh we appreciate your support. So today's topic, um, and this is a topic that literally we could probably string along four full shows on. Uh credit, right? Um, no one really understands how credit works. There's a lot of misconceptions out there. And uh whether you want to admit it or not, credit kind of runs our lives. You know, for the people that pay cash for everything, they're gonna say, no, it doesn't, I just pay cash for everything. But um, there's gonna be things out there for sure that you need that you rely on that credit does uh credit does count, such as uh home insurance. Yep, and Evan can comment about that. Uh when you get home insurance, um, they look at your credit score, and that can affect your rate that you pay on home insurance. Uh and you know employment. Employment's another thing, right?

SPEAKER_04 2:19

Yep.

Mike Ouverson 2:19

Employers will pull credit. Um, there's certain credit requirements for certain industries that you have to meet. I think the financial planning industry, I think you have to meet certain credit requirements just to even be able to get your license in that.

Jason Walgrave 2:31

So the military?

Mike Ouverson 2:32

Military, another thing.

Jason Walgrave 2:34

Yeah, I mean, I mean, where they place you in the military, uh, your credit score drives that. And so, I mean, it's you know, I I I've had I I know somebody that was going into the military, graduated college with, you know, a couple master's degrees, and was expecting to go one direction, and um he had some had some dings on his credit, and they they put him on a completely different direction, completely different, you know, from you know, from officer training, you know, this way to yeah, actually you're gonna be you know damn near front line. And and it would that was a credit uh credit score and and and some debt, you know, a little bit of debt, but that was on the credit report, and that was that's what drove that. And that that changed, I mean that changed the whole outcome of of the you know the path, right?

Mike Ouverson 3:23

So changed it. That's a life-changing projectory right there. Like it changed the projection.

Jason Walgrave 3:28

Totally. Yep.

Mike Ouverson 3:29

So so whether you want to admit or not, credit, credit runs our lives. Um, back back when I first got in the mortgage business, back in 2004, this is uh a little bit before I got in. So this is June of 04 is when I got in, so this might have been like the spring of 04. Um, one of the guys uh that was doing mortgages at that time um said that same thing. He's like, Look, credit runs our lives. Yeah, the number one thing you need to do as a young

Keep Old Cards Open

Mike Ouverson 3:55

person is establish credit. Establish credit. So um, so we're talking about today ways that you might be accidentally right improving your credit score. Um, so let's just kick off this list. So, number one here, uh keeping older credit cards active. Okay, misconception there. Hey, I got these five credit cards, right? I signed up for this credit card at a T-Wolves game, you know, 10 years ago to get a free t-shirt. Yeah, don't really use it at all. Like, I'm just gonna close it. I'm just gonna close it because I don't use it. And I heard if you have a bunch of open credit out there, it actually hurts your credit score, right? Because then it shows that you could charge up and rack up a bunch of debt and stuff.

SPEAKER_04 4:32

Yep.

Mike Ouverson 4:32

No, completely wrong. You're completely wrong there. Okay, so you got a 10-year-old card, you know, whatever, capital one or whatever, because you got the free T-Wolf shirt. Okay, you got 10 years of history on there, perfect payments. Haven't used it much, haven't charged much on it, but you got 10 years of perfect payment history on it. As soon as you close that card, that 10 years of history goes away. Your score will go down.

Jason Walgrave 4:54

Yeah. I I I have I have a card. Um, I think I I got it, I must have got it in college because it has a it has a really low uh limit on it. It's got a low limit on it. Um I don't I never use it. Uh I think it even has a I think they charge me, it's like a $4 a month fee to have it, yeah, to have it open. Um and I and again, I don't use it for anything. So, you know, like every five months I'll send in 20 bucks, and then that covers me for the next five months for the four dollar fee. But but it's 25 years or so of of of history, and I'm like, I'm not gonna get rid of it. So, I mean, there's you know, a 25-year-old account is I mean that that has some value in the credit score world. Um, so I just kept it and I keep it. And um, but the Mike, you're right, a big misconception. And and we have we advise buyers on this, you know, a lot of times when we meet them in the beginning, they're like, okay, because we ask you, do you have you have credit cards, do you have accounts? Um, try to establish, you know, what you know what their current situation is. And a lot of them will say, Yeah, I got you know, I got this one card, I don't use it, I'm just gonna cancel it. Don't cancel it. Don't cancel it because it erases all that history. Uh, your credit score is it is it 30% of your score comes from the history or is it 35%?

Mike Ouverson 6:14

10% comes from the length of length of history.

Jason Walgrave 6:17

Length of the history, okay.

Mike Ouverson 6:18

Length of history is 10% of your score. Got it. Payment history is is the biggest factor. That's 35% of your score. 35%.

Jason Walgrave 6:25

So 35% on payment history, 10% on the the length of how long you've had the card open. Correct. Or the account open. Okay.

Mike Ouverson 6:32

Yep, exactly. Yep. So so don't close those cards. Don't close those other cards that you really don't use anymore, right? I have like, I think I got four cards, right? I use one, you're right. You all have like our main card, right? We get the cash back, we get the miles, we get the this, right? So we put everything on that, we pay it off, right? But how do you keep the other ones open and active? Well, I have Netflix going on one card. Yeah, just an auto pay, right? Netflix once a month, boom, I just pay it off. That's the only thing I use that card on, but it keeps that history going, keeps that activity going, right? Um, the other card um that I have is actually the card that I use the T-Wolves game, you know, to get a free t-shirt. Because back when I was in my first year of college, I went to a T Wolves game. Yeah, signed up for a credit card to get a free t-shirt. It's my first T-Wolves game I had ever gone to. I still have that card today. Yeah, it's got about a $38,000 credit limit on it because I've had it forever now. Yeah, right. Yeah. Um, and that particular card, you can get three percent cash back on whatever category you pick. So I pick gas.

Jason Walgrave 7:27

Yeah.

Mike Ouverson 7:28

Right? So I use that card only for gas in my truck, right? And I get the three percent back, and I use it for that, and that's it, right? Then I have my main card over here that I just do all my daily stuff on. Um, but nonetheless, I still have that card and I got all that history, just like you, Jason. You got all that history on it. If I got rid of that card, my score would go down.

Jason Walgrave 7:45

Yep, yeah, it would definitely go down.

Mike Ouverson 7:47

So keep those older credit cards uh active, keep them open, uh, especially if we get good history on them and low balances. Okay,

Hard Inquiries And Store Cards

Mike Ouverson 7:55

number two, uh, number two reason why you may be accidentally improving your credit score. Uh, you don't apply for credit a lot. So, Jason, what happens when you apply for a credit card?

Jason Walgrave 8:05

Uh, they pull your credit and your credit score drops, you know, and and it's I I still get it weekly. I'm I don't know, I'm somewhere at some store. They're like, oh hey, you want to save 50 bucks today by you know applying for the the store credit card? I mean, they're you know, I give them cra I mean I give them credit, they're you know, they're they're aggressive at it, right? I mean it's it's a weekly offer at some type of store that I'm at. And so um, you know, if if if you're not doing that, if you're not applying for new credit cards or new credit or car loans or whatever the case is, um, because it's just you don't need it, so so why would you, you know, why would you get another card? Um, then that's gonna that's gonna keep your score up.

Mike Ouverson 8:47

Yeah absolutely. So every poll, every credit poll, um, this is outside of the auto industry and the home industry, though the rules for those are a little different. But if you get into right, your your Memorial Day sales, right? Or your July 4th sales, right? You're gonna go out there, you got to get some stuff, you're gonna make three stops, and you open up three credit cards because you're gonna get the discount for that day or for that particular holiday or whatever, right? Five to 15 points is gonna come off for every poll. So if 15 points comes off in every poll for your situation, those three credit cards you just opened drop your score 45 points. And and then folks in one day.

Jason Walgrave 9:19

In one day, if you're going from that, would mean if you started at a 740, you're gonna be at a 695, and that's a whole different set of options when you're talking about loan programs.

Mike Ouverson 9:30

Exactly. Now those points do come back, but it takes 120 days for those points to come back on takes four months.

Jason Walgrave 9:36

It takes that long, takes four months.

Mike Ouverson 9:38

Wow, right? So so just being on now. If you got an 800 credit score and you're gonna go do a big purchase, right? You got a bunch of furniture, you're gonna get you're gonna just you're gonna you're gonna sell all your furniture that you have now on Facebook Marketplace, you're gonna outfit your house with furniture, okay? Go ahead, open up that furniture store card, get the discount, right? You do that once or twice a year, no big deal, right? But if you're going out there and doing it for every holiday sale that comes up, not a good plan, right? Not a good plan to keep your credit up.

Jason Walgrave 10:07

Okay, so well and and and uh it's tied to that, Mike. Isn't if you have too many open accounts, doesn't that negatively impact your credit score or too many inquiries?

Mike Ouverson 10:18

Too many the inquiries, yeah. Each inquiry, right, will will drop your score five to fifteen points. Yeah, so just having them pull your credit, even if you don't open the card, right? I applied for it, yep, and they pulled my credit, and then I decided I didn't want to open the card. Well, because they pulled your credit, that's an inquiry that's gonna drop your score.

Jason Walgrave 10:35

Got it.

Mike Ouverson 10:35

So um, all right, that was the number two reason how you're accidentally improving your credit is you don't sit there and apply for credit a lot. Uh let's go to number three.

Credit Utilization Drives Your Score

Mike Ouverson 10:45

You don't accumulate high balances on your credit cards. Hugely important.

Jason Walgrave 10:50

Hugely important.

Mike Ouverson 10:52

Hugely important. So we spoke about your payment history. Making payments on time is the number one factor that's 35% of your score. The second biggest factor that makes up 30% of your score, right? Is the ratio from your balances to the credit limit.

SPEAKER_04 11:07

Yeah.

Mike Ouverson 11:08

Okay. And I usually explain it like this you have this credit card, it's got a $10,000 limit on it. Okay, as soon as your balance reaches 25%, your score is going to go down. When it reaches 50%, it's going to go down even more. When it hits 75%, it's going to go down even more. And if you max that puppy out or go over the limit, it really hits your score.

SPEAKER_04 11:26

Yeah.

Mike Ouverson 11:26

I've seen one credit card hit a score 83 points before. Because if you max that thing out, your score is down here. When the guy paid it off, his score went up here. And the reason why it jumped so much is because that was the only card he had. Right. So his entire credit score is based on the activity on that one card. If it's maxed out, the credit scoring model sees that as a high risk of default. You're going to default on that thing because you have one card and it's maxed out. Okay.

Jason Walgrave 11:53

But Mike, I I use one card, I charge it all the way up every month. I like the points. I'm getting some you know cash back stuff. Um, I don't I never carry a balance. And and what I mean is is every time I get my bill in the mail, I pay the whole thing off. So I've never paid any interest on my credit cards. Um, so that that's a good thing, right?

Mike Ouverson 12:15

Well, um no. And there's a little trick, there's a little trick to that, right? There's a little trick to that. Um, but before I tell you what the trick is and how to address that situation, we're actually gonna go do our legal minute first. When we come back, I'm gonna teach you guys my credit card trick that I try to teach to all my clients.

Legal Minute Property Disclosures

Jeff O'Brien 12:34

This is Jeff O'Brien, attorney with Hajj Blackwell with the U.S. Home Talk legal minute. Have you ever wondered why you have to fill out a property disclosure statement when you sell your home? Of course, it is because the law requires you to do so. Submit to certain exceptions. Minnesota law requires a seller of residential real property to complete a written disclosure form to prospective buyers before signing a purchase agreement to sell the home. The seller must disclose all material facts of which the seller is aware of that could adversely and significantly affect an ordinary buyer's use and enjoyment of the property or any intended use of the property of which the seller is aware. The disclosure must be made in good faith and be based upon the best of the seller's knowledge at the time of the disclosure. This is Jeff O'Brien, attorney with Hush Clackwell with a U.S. Home Talk legal med.

Mike Ouverson 13:14

Thank you, Jeff. Thank you, Jeff. Love Jeff. I actually literally just spoke to him yesterday. Jeff's awesome. He's the man. He is the man, all things legal as far as real estate goes. The guy is a human dictionary when it comes to that. Okay, so the credit

The Statement Date Payment Trick

Mike Ouverson 13:29

card trick. Here's my credit card trick. So, Jason, your your comment was, well, what if I just charge everything through the month, right? All my bills and all that stuff goes on one card, but then I pay it off in full at the end of the month, right? When my bill comes out, right, I just pay it off in full. The problem with that is that the balance that reports on your credit report is the balance on your most recent statement. So if you have a $5,000 limit and you're charging $4,000 a month on that thing, when your statement comes out, it shows you got owe a balance of $4,000. Even if you go pay that thing off in full, that $4,000 balance reports on the credit report. And the scoring model again sees you have $4,000 charged against a $5,000 card. You almost got that thing maxed out. Your score is going to get hit by it.

Jason Walgrave 14:11

So what's the solution?

Mike Ouverson 14:12

So the trick is find out when your billing cycle ends. So let's say, for example, your billing cycle ends on the last day of the month, ends on the 30th of the month. Okay. You need to set a reminder to make a full payment on that card on the 27th. Okay. So make a full payment on the 27th, maybe the 28th. Give enough time for that payment to post, knock your balance down. So now when the 30th hits, you got a zero balance on that thing. Now that zero balance will report to your credit report because your style, your billing cycle just ended, and now it's gonna your report's gonna show a zero balance against a $5,000 card, and now your score's up.

Jason Walgrave 14:43

And folks, that that's probably about a week from when you get the statement in the mail or you get it emailed to you. Um, it's probably about a week from what the actual date on the statement. So it isn't like you have to pay it, you know, two, three, four weeks ahead of time. It's probably about a week. Um, but that it does. I mean, that that's a great way to utilize your credit cards, you know, earn the points and the miles and the cashbacks, uh, and still let it positively affect your credit score.

Mike Ouverson 15:12

Yep. Yeah, you can operate exactly how you're doing it now. Yeah. Right. All you're doing is you're gonna move your you're gonna move your payment up a week, right? So you make a full payment typically on the 30th of the month. Now you're gonna make that full payment on the 23rd of the month or whenever that billing cycle ends, and then good. So that's the trick I try to teach everyone. All right, next way that you're accidentally improving your credit.

Piggybacking As An Authorized User

Mike Ouverson 15:32

Um, you're piggybacking off a family member's credit. So what does that what does that mean?

Jason Walgrave 15:38

Yep, that's I am I I use this one to I added uh my daughter to three of my accounts uh when she well she was still 18. Uh she wanted uh to buy a house and didn't didn't have a credit score, no credit score, zero credit. And so um she was in college, so she went out and got three credit scores or three credit cards. Um by the way, folks, if you're in college, it's very easy to get a credit card, even if you don't have a credit score. Um, and then I added her to three of my accounts um that had very, very long history, um, um, with obviously no lates or anything like that. And she went from no credit score to 735 in like 60 days.

Mike Ouverson 16:18

Yep. Yeah, so adding your kids. So, parents, if you're adding your kids on there as like an authorized user on your card, that your credit history on that particular card is gonna flow over to them and it's gonna positively impact their credit score. And you can literally have someone who's accounts for two months, right? Two months is not long. Like, well, we don't know if you're gonna make your payments on time if you've only had an account for two months, right? You usually got to have at least six months' worth of history to generate a score. But if you're piggybacking off someone else, yeah, right, a family member, boom, you're at a 735 two months into it. Like, that's golden, right?

Jason Walgrave 16:48

Just make sure, just make sure if you're piggybacking, you're piggybacking on a good account.

SPEAKER_03 16:52

Yeah. Yes, very good advice.

Jason Walgrave 16:56

Oh, look at that. Spawn back.

FICO Vs Vantage Score Confusion

unknown 17:06

Ha!

SPEAKER_03 17:07

Look at that.

Mike Ouverson 17:08

That's a fun fact, huh?

Jason Walgrave 17:10

That is really good.

Mike Ouverson 17:11

And the FICO score. Yeah, the FICO score. Now there's nine different versions of the FICO, right? So it depends on what you're what you're applying for. A credit card FICO score is going to be different from a mortgage FICO, which is going to be different from an auto FICO. Um, but yeah, so the FICO score, and that's what all basically all lenders use today, still, at least on the mortgage side of things, it's your it's a FICO score, it's your mortgage or your your FICO 8 or FICO 9, which is the mortgage one. So very interesting. Um, there's also this thing called a vantage score out there, it's a completely different scoring model, it's a different scale. The FICO score goes from 350 to 850, the vantage score uh goes from 450 to 950. So um if you're looking online and it says, hey, get your credit score here, and you're at a 900 or something like that, and you're like, I'm at a 900, right? And you tell someone that they're gonna be like, well, the scale only goes to 850, how can you be at 900? Well, the 900 is because you're looking at a vantage score, which has a different, right, a different scale. So anyway, we're getting settled.

Jason Walgrave 18:06

What uh businesses or or retailers use the vantage score?

Mike Ouverson 18:11

I I don't know to be honest with you. I haven't I don't know who actually uses the vantage score for lending purposes. Okay. Um if you have like a credit monitoring app, yep, such as um Credit Karma. Credit Karma, right? They use a vantage score. Yeah. Um FICO office in Roseville, Minnesota. Huh. Interesting. Um yeah, so so Vanta, I don't know who uses it for Vantage. Maybe, maybe some of these online lenders are, you know, or if you're looking for a personal loan, you know, Credit Karma, do they do personal loans too now? That maybe you might be able to do that.

Jason Walgrave 18:44

Yeah, I think they do. I think they're all I think they're all kind of tied in with with some of the the credit card and lending institutes, yeah.

Mike Ouverson 18:51

Yeah, so they you know, on personal loans and stuff like that, maybe they use a vantage score. But if you're talking about your typical auto loans, mortgages, things like that, to my knowledge, it's all FICO, they still all use FICO scores. Um okay, uh, let's go. Next reason. We got what two left here? We got two left. Um

Auto Pay And On Time History

Mike Ouverson 19:10

next reason why or how you're accidentally improving your credit, you have uh selected to make auto-scheduled payments on your monthly bills. So, and that goes down to payment history, right? If you have an auto payment that goes out and you and you schedule it for the right day so it doesn't go out late, so it goes on time. Well, you're gonna have on-time payment history on all your accounts, right? So um, and that just ties back into your payment history when we're the the 35% of your score, right? The biggest factor to your credit score is your payment history. Do you make payments on time or not? Uh if you do, it's the biggest factor, right? Make your payments on time. Um, so setting those uh auto-scheduled payments uh can help you out with that clearly. Uh and then the last thing here is you check your credit report regularly, right? Because Jason credit reports, but they're they're always there's always 100% accurate, right?

Jason Walgrave 20:04

Always, always

Check Reports Spot Errors And Fraud

Jason Walgrave 20:05

accurate, 100%.

Mike Ouverson 20:06

100%.

Jason Walgrave 20:07

And and and someone else will take care of it for you.

Mike Ouverson 20:10

It's someone else's job to monitor their your credit, right? Make sure it's correct.

Jason Walgrave 20:13

Yeah, for free.

Mike Ouverson 20:14

Yep, right. So I mean, but that is a misconception. We all know that, right? It is not anyone else's job besides your own to make sure that your credit report is accurate. Um, people make mistakes, people fat finger stuff. Uh, for example, back in 2006, I pulled my credit once and I had 14 accounts showing up on my credit report that was not that were not mine. Okay. And when I got down to it, um, the guys' accounts that showed up on my credit report, same first name, same middle name, completely different last name, but our socials were one number off.

Jason Walgrave 20:47

Oh, really?

Mike Ouverson 20:48

So someone fat fingered it, right? And then all his accounts showed up on mine, and he had a Harley account, you know, like Harley Davidson with a few late payments on and some other accounts, stuff like that. I'm like, I've never owned a Harley in my life. Clearly, that's not mine. So it got figured out, it all got fixed. But I would, you know, no one no one told me it's like, hey, I didn't get an alert saying, hey, uh these accounts should just showed up on your credit report.

SPEAKER_04 21:10

Yeah.

Mike Ouverson 21:10

That would I I would never would have known unless I had checked my own credit.

SPEAKER_04 21:14

Yeah.

Mike Ouverson 21:14

Um, and you don't have to, you know, I guess you don't have to, you don't have to check it monthly.

unknown 21:19

No.

Mike Ouverson 21:20

Maybe what a couple times a year, maybe just yeah, get a free credit report, take a look at it, see if something's goofy.

Jason Walgrave 21:26

I mean, you I I have a credit monitoring, um, and so I I I I get a monthly report, you know, and and it's um and it you know sends me messages, hey, your email was found on the dark web, or you know, or you know, or your you know, whatever. So I I like that. And I I can't remember too. I had uh in the three bureaus, I think I have up, I think I have one frozen because I had a couple different fraud things happen with with something. And so I I mean the credit monitoring is great. If you really want to keep a close eye on it, I think it's only like 15 or 20 bucks a month, or you know, so you don't need it, you can just do the free credit reports every few months and you know keep an eye on it that way. But if you want to take it a step further, get a monthly monitoring system, which which I really like.

Mike Ouverson 22:11

And your does your credit monitoring system is uh also like have some sort of like identity theft protection with it too, right?

Jason Walgrave 22:17

Yep, it's got identity theft. Um, it'll you know every month it'll it'll generate a full credit report every month, and then it's got your FICO, it's got the you know the three credit bureaus. Um, I I I like it because I like keeping an eye on things.

Mike Ouverson 22:32

Yep. Yeah, so um those are great tips, right? Those are great tips. You might be doing a lot of these things already, and and you don't even know that they're affecting your credit score that well. But again, it's you know, that's why there are ways you're accidentally improving your credit score. Um, you know, there uh there's something if you don't if you're not doing some of these things, start doing them, start doing them because again, credit roll run runs our lives.

Jason Walgrave 22:56

Well, and and what usually happens is is when we need we don't really a lot of times we can't predict when we need credit, you know, and and so you know, a lot of times people are like, Oh my goodness, I this is the house, I gotta buy it. This is the house, and and they haven't even uh did a mortgage application or they haven't even pulled credit, and it's like, well, that that credit, that's not right. I don't that account's not mine. So well, we gotta we gotta fix that before we can move forward with you know maybe a particular loan or you know, or whatever the case is. So keep an eye on it. You know, it's just it's better to be prepared and ready to go when you need credit. Uh sometimes you need it quickly, and and if there's mistakes on your credit report or you're not monitoring it, it could delay, you know, and and potentially lose something that you want to buy.

Mike Ouverson 23:41

So and credit fixes are usually slow. Yeah, they're slow, they're slow, they're slow to fix, right? Quick to quick to go away, but slow to fix. So, hey, we appreciate everyone tuning in

Buying Readiness And Final Takeaways

Mike Ouverson 23:53

today. We will be back next Wednesday at noon with another show. We hope you enjoyed our content today. On behalf of Jason Walgrave, uh, I am Mike Overson with US Home Talk. We'll see you next week.