Credit Card Chaos? Here’s How to Tame It and Still Qualify for a Mortgage

Credit cards can be helpful tools or dangerous traps.

If your balances are high or you’re juggling too many cards, it could impact your homeownership dreams. This blog shows you how to take back control

Topic Discussion

Keep your utilization under 30% ideally under 10%. Pay down balances using the 3 card method: focus on the highest balance card, make minimum payments on the rest. Avoid closing cards even when paid off, as that can lower your score.

Why?

Mortgage lenders look at how you use your credit, not just the amount you have. High utilization can cause denials even with on-time payments.

Your credit cards should work for you not against you. By taking control now, you move one step closer to homeownership.

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