How To Prep Your Credit Without Buying Things You Do Not Need
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How To Prep Your Credit Without Buying Things You Do Not Need
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Most people preparing for a mortgage follow the wrong advice. They open new accounts they do not need, close old ones that help them, or spend money on credit products that make no difference. In this episode, your Loan Caddy walks you through the credit prep strategies that actually matter and clears up the myths that stall buyers every day.
You will learn why utilization matters more than zero balances, why new accounts can hurt you, and why checking your own credit never lowers your score. You will also hear a quick December 2025 Market Minute for Florida and Colorado so you understand the course conditions before you start your loan process.
In this episode:
The truth about utilization and score movement
Why opening or closing accounts can backfire
How to keep your credit stable during pre approval
A simple Loan Caddy checklist for clean credit prep
Caddy Tip of the Week: Consistency beats every internet trick
Veteran built guidance and clarity. Smart credit strategies that keeps you under par on your financing journey.
William Ware Jr
NMLS 2575932
4MG Mortgage, LLC
NMLS 2567469
https://www.nmlsconsumeraccess.org/