Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgage: Experian Boost review: How 2 bills helped raise my...: Experian Boost review: How 2 bills helped raise my credit score 9 points - Clark Howard : o you always pay your cell phone and utility bi...
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I specialize in Kentucky First Time Homebuyers FHA, VA, USDA & Rural Housing, KHC and Fannie Mae mortgage loans. I have helped over 900 Kentucky families buy their first home and refinance their current mortgage for a lower rate; Kentucky First time buyers $0 down still available with down payment assistance with KHC. Free Mortgage applications same day approvals. Web site is not endorsed by the FHA, VA, USDA govt agency. Text/call 502-905-3708 kentuckyloan@gmail.com NMLS 57916 NMLS ID 1364
Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgage: Experian Boost review: How 2 bills helped raise my...
I have helped over 1300 Kentucky families buy or refinance their home over the last 20 years. Realizing that this is one of the biggest, most important financial transactions a family makes during their lifetime, I always feel honored and respected when I am chosen to originate their personal home loan. You can count on me to deliver on what I say, and I will always give you honest, up-front personal attention you deserve during the loan process.
I have several advantages over the large banks in town. First, I can search and negotiate for your loan options through several different mortgage companies across the country to get you the best deal locally. Where most banks will offer offer you their one set of loan products. I have access to over 10 different mortgage companies to broker your loan through to get you the best pricing and loan products that may not fit into the bank's program due to credit, income, or other underwriting issues.
You will not get lost in the shuffle like most borrowers do at the mega banks; you're just not a number at our company, you are a person and we will treat you like one throughout the entire process.
Experian Boost review: How 2 bills helped raise my credit score 9 points - Clark Howard
Experian Boost review: How 2 bills helped raise my credit score 9 points - Clark Howard:
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o you always pay your cell phone and utility bills on time? If so, you may be able to get a lot more credit for it, thanks to the credit bureau Experian.
With the new Experian Boost program, consumers can have mundane bill payments incorporated into their credit score, potentially instantly raising those scores.
Experian Boost review: How I raised my FICO score in real time
I tried out Experian Boost to see if I could help my credit. Although I was comfortable with my score and didn’t really feel like I was in need of a boost, I can see how this program will be useful for people trying to edge up increase their scores when it comes time to qualify for loans and credit cards.
Here’s how it works:
When I signed up for Experian Boost, it immediately produced a credit report (part of my complimentary Experian membership), an updated FICO score and an overview of my financial profile. Here is what was included there:
- Credit rating
- Credit usage
- Payment history
I thought that my “boost” had started, but not yet. I had to scroll to the bottom of the page and click the Experian Boost button. That took me to a page that showed icons for electric, water and wireless bills.
Once you click the button, a pop-up screen opens that asks permission to link the bank account you pay your bills with to Experian Boost. It will then send a code to your phone for verification.
Once my account was linked, it took me to my FICO score and said “let’s see if we can boost it.”
Next, it scanned my bank account. This took a couple minutes, but soon I was being shown two bills that could be used to raise my score. All I had to do was confirm that I wanted those bills added to my credit file.
Once I hit the blue “Continue” button, the screen loaded for less than a minute before finally saying this:
Experian Boost added nine points to my FICO score. As long as I continue to pay those two linked bills on time (they’re both on autopay) my score could continue to go up.
Final thought
After giving Experian Boost a try, I can say with certainty that if you want to pad your FICO score up to be more attractive to lenders, this is a quick and relatively painless way to do it. The whole process took around 5 minutes.
Like Credit Karma, Experian Boost might show you numerous credit card offers, but it’s not obtrusive.
Although it’s still in beta mode, early results from Experian show that it Boost has raised users’ scores an average of 10 points. If you’ve already got great credit, that may not matter much. If your credit is less than stellar, it could matter a great deal.
Here are some more articles you may like from Clark.com:
- Credit Freeze Guide: How to freeze your credit and protect yourself against identity theft
- Credit Score Guide: Understanding your credit score and what you can do to improve it
- 5 sneaky ways to improve your credit score
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I have helped over 1300 Kentucky families buy or refinance their home over the last 20 years. Realizing that this is one of the biggest, most important financial transactions a family makes during their lifetime, I always feel honored and respected when I am chosen to originate their personal home loan. You can count on me to deliver on what I say, and I will always give you honest, up-front personal attention you deserve during the loan process.
I have several advantages over the large banks in town. First, I can search and negotiate for your loan options through several different mortgage companies across the country to get you the best deal locally. Where most banks will offer offer you their one set of loan products. I have access to over 10 different mortgage companies to broker your loan through to get you the best pricing and loan products that may not fit into the bank's program due to credit, income, or other underwriting issues.
You will not get lost in the shuffle like most borrowers do at the mega banks; you're just not a number at our company, you are a person and we will treat you like one throughout the entire process.
Kentucky First Time Home Buyer Programs for 2019
I have helped over 1300 Kentucky families buy or refinance their home over the last 20 years. Realizing that this is one of the biggest, most important financial transactions a family makes during their lifetime, I always feel honored and respected when I am chosen to originate their personal home loan. You can count on me to deliver on what I say, and I will always give you honest, up-front personal attention you deserve during the loan process.
I have several advantages over the large banks in town. First, I can search and negotiate for your loan options through several different mortgage companies across the country to get you the best deal locally. Where most banks will offer offer you their one set of loan products. I have access to over 10 different mortgage companies to broker your loan through to get you the best pricing and loan products that may not fit into the bank's program due to credit, income, or other underwriting issues.
You will not get lost in the shuffle like most borrowers do at the mega banks; you're just not a number at our company, you are a person and we will treat you like one throughout the entire process.
Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgage: Down Payment Assistance Kentucky 2019
Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgage: Down Payment Assistance Kentucky 2019: $ 10,000 Down Payment Assistance Grant Kentucky for 2019 , 100% financing Kentucky Home Loan For Kentucky Home ...
Fill out my form!
Fill out my form!
I have helped over 1300 Kentucky families buy or refinance their home over the last 20 years. Realizing that this is one of the biggest, most important financial transactions a family makes during their lifetime, I always feel honored and respected when I am chosen to originate their personal home loan. You can count on me to deliver on what I say, and I will always give you honest, up-front personal attention you deserve during the loan process.
I have several advantages over the large banks in town. First, I can search and negotiate for your loan options through several different mortgage companies across the country to get you the best deal locally. Where most banks will offer offer you their one set of loan products. I have access to over 10 different mortgage companies to broker your loan through to get you the best pricing and loan products that may not fit into the bank's program due to credit, income, or other underwriting issues.
You will not get lost in the shuffle like most borrowers do at the mega banks; you're just not a number at our company, you are a person and we will treat you like one throughout the entire process.
HUD announces new rules for down payment assistance on FHA mortgages
HUD announces new rules for down payment assistance on FHA mortgages: The Department of Housing and Urban Development announced this week that it is issuing new rules for down payment assistance on mortgages insured by the Federal Housing Administration. Click the headline for a full breakdown of which rules are changing and why.
I have helped over 1300 Kentucky families buy or refinance their home over the last 20 years. Realizing that this is one of the biggest, most important financial transactions a family makes during their lifetime, I always feel honored and respected when I am chosen to originate their personal home loan. You can count on me to deliver on what I say, and I will always give you honest, up-front personal attention you deserve during the loan process.
I have several advantages over the large banks in town. First, I can search and negotiate for your loan options through several different mortgage companies across the country to get you the best deal locally. Where most banks will offer offer you their one set of loan products. I have access to over 10 different mortgage companies to broker your loan through to get you the best pricing and loan products that may not fit into the bank's program due to credit, income, or other underwriting issues.
You will not get lost in the shuffle like most borrowers do at the mega banks; you're just not a number at our company, you are a person and we will treat you like one throughout the entire process.
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