Your credit score is a composite snapshot of your credit history. A high credit score takes time to cultivate, and is not likely to raise much in a short period of time. Generally speaking, you want to make sure you pay your bills on time, keep outstanding debt levels to a reasonable amount for each account, and avoid closing accounts you've successfully paid-off and managed. Don't lose hope if you have less than perfect credit, there are still good loan programs out there for responsible borrowers. We have a list of preferred local lenders who can help you find the best financing programs for your specific needs.

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Here are some great resources to learn more about credit scores, and to get a free credit score and report:

​​If you have any questions, or if you are looking to either Buy or Sell real estate in the central Oregon area and need some help, please let me know.