The Embarrassing Credit Mistake That Could Keep You From Buying a Home (And How to Fix It!)

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I’ll admit it—I was embarrassed. Years ago, I checked my credit score and was shocked at how low it was. My first thought? “Someone must have stolen my identity.”

The truth was more surprising: I was paying my credit cards at the wrong time.

Here’s what happened:

• I always paid my cards in full at the end of the month.

• But when credit companies pulled my report, it showed my highest balances—making it look like I was maxed out.

The solution was simple:

• Pay twice a month (mid-month and end-month).

• Never let balances climb above 50% of the limit.

• Stay consistent.

It took time, but it worked—and now my score is exactly where I want it.

Why does this matter in real estate? Because when you’re preparing to buy a home, even a small drop in your credit score can impact your mortgage rate, loan approval, or buying power.

At The Friend Team Real Estate, we don’t just help you buy or sell a house—we guide you through every step of the process, including credit and financial readiness.

If you’re looking for the top realtor in Rochester, Canandaigua, Brighton, Pittsford, Victor, Webster, Penfield, Perinton, Farmington, Fairport, Irondequoit, or the Finger Lakes, our team is here to help.

 Connect with us today and truly have a Friend on Your Side.