Credit scores are extremely important in the current financial state everyone is in.  If you are planning to purchase your dream home anytime soon, a strong credit score is a must in order to get a home loan with affordable rates.

Even if you have had a bumpy credit past you can start right now with steps to help improve your credit and get you on the right road so you can purchase that Bergen County dream home!

1. The first step is to know where you stand.  If you haven't already seen your credit report, it is vital that you obtain it now. You can get a free copy from www,

2. If you do find mistakes on your credit report it is vital that you dispute them immediately. The process in which you dispute these errors is not a quick one, it can take up to 45 days for claims to be investigated. Disputing the errors may be time consuming but if you have incorrect information on your report if could be costing you important points on your credit score.

3. Work to lower your debts. While this may be easier said then done, if you lower the ratio of your outstanding debt to your credit limit it will help tremendously. If you're a long-standing customer with a good history, ask your current credit-card issuers to raise your limits. A good rule of thumb is to keep your balance below 30% of your limit on each card.

4. Don't apply for additional credit unless absolutely necessary. When you apply for new credit, an inquiry is made on your credit report. Lenders look to see how many inquires have been made to your credit, too many requests are unfavorable.

5. It's best if you can pay your bill in full each month but if not be sure you at least pay the minimum on time. Late payments will lower your credit score, and typically opens up the possibility that your lender will charge you a higher rate. Lenders look at your payment history and if it shows that you are consistently late they may choose to deny you new or additional credit.