19208 Belshaw Ave Carson CA 90746

The Perfect Home For Your Consideration

Beautiful 4BEDS 2BATHS 1,596 SQFT 6,481SF LOT

A perfect choice for your next move. Don't miss out on this fantastic opportunity in Carson, CA!

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Person holding a credit card and pen, reviewing their credit score on a document with a laptop in the background.

Boost Your Credit Score: 4 Essential Tips for Improving Your FICO Rating

June 12, 20242 min read

Your credit score is more than just a number; it’s a critical factor that can affect your ability to secure loans, get favorable interest rates, and even rent an apartment. If you're looking to improve your FICO score, especially if you're planning to buy a home, here are four essential tips to help you get started.

1. Pay Bills on Time

One of the most significant factors influencing your credit score is your payment history. Late payments can have a substantial negative impact, so it's crucial to pay all your bills on or before their due dates. Setting up automatic payments or reminders can help ensure you never miss a due date. Remember, consistency is key to building and maintaining a good credit score.

2. Keep Credit Utilization Low

Credit utilization refers to the percentage of your available credit that you’re using. A high credit utilization ratio can lower your FICO score, so aim to use less than 30% of your available credit. For example, if your total credit limit across all cards is $10,000, try to keep your total balance below $3,000. Paying down high balances and being mindful of your spending can help maintain a healthy credit utilization rate.

3. Maintain Long Credit History

The length of your credit history accounts for a portion of your FICO score. Therefore, it's beneficial to keep old credit accounts open and in good standing. Closing old accounts can shorten your credit history and potentially lower your score. Instead, use these accounts occasionally and pay them off promptly to keep them active.

4. Limit New Credit Applications

Every time you apply for new credit, it results in a hard inquiry on your credit report, which can slightly lower your score. While one or two inquiries may not have a significant impact, multiple inquiries in a short period can. Only apply for new credit when it's necessary, and be strategic about your applications.

Improving your FICO score takes time and dedication, but the benefits of a higher score can be substantial, especially when it comes to securing a mortgage or other loans.

If you need help with your credit, we have the tools and means to assist you. Contact us today, especially if you're planning to buy a home. We're here to guide you through the process and help you achieve your financial goals. Contact Us Now!

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Troy Mire

With over 17 years of unwavering commitment to the real estate industry, I have dedicated myself to guiding homeowners, buyers, and investors towards making well-informed decisions. In the dynamic landscape of home prices, interest rates, and market trends, I recognize the importance of a keen understanding to navigate effectively. By staying attuned to these ever-evolving dynamics, I am positioned to empower you with the necessary information and valuable insights essential for your real estate journey. Drawing on my extensive knowledge of local markets, I am well-equipped to offer a comprehensive suite of services. From general advice to precise valuations, mortgage lending options, and strategic marketing solutions, my goal is to ensure you have all the tools needed for success. Whether you are looking to sell, buy, or invest, rest assured that I am here to provide the assistance you need. My experience speaks to a legacy of dedication and a proven track record of facilitating successful real estate transactions. Let's navigate the intricate world of real estate together, turning your goals into reality.

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TESTIMONIALS


Working with Troy P. Mire to sell my home was an absolute pleasure. His expertise, proactive communication, and negotiation skills ensured a smooth and successful transaction. Troy's professionalism and dedication to his clients are unmatched. I highly recommend him to anyone looking to buy or sell a home. Thank you, Troy, for a fantastic experience!


Marlon Moore

Home Seller


Not only did Troy orchestrate the lawyer I needed to complete my trust, but he also facilitated the sale of one of my homes in record time, allowing us to handle some important matters.


Montana Jones

Home Seller

Email and Phone

Get In Touch

Phone Number:

310-877-9332 Deborah Jordan

562-244-7963 Troy Mire

19208 Belshaw Ave, Carson, CA 90746, USA

Office: TMireBroker & Co.

Call

310-877-9332

Deborah Jordan

562-244-7963

Troy Mire

Troy Mire is a real estate broker licensed by the State of California. License Numbers 01199870, Also a Mortgage Loan Officer NMLS: 1795353. NMLS consumer access: https://www.nmlsconsumeraccess.org. All material is intended for informational purposes only and is compiled from sources deemed reliable but is subject to errors, omissions, changes in price, condition, sale, or withdrawal without notice. No statement is made as to the accuracy of any description or measurements (including square footage). This is not intended to solicit property already listed. No financial or legal advice provided. Equal Housing Opportunity. Photos may be virtually staged or digitally enhanced and may not reflect actual property conditions.