Pacific One Mortgage

• Your Payment History - 35% impact on your credit score.
• The Balance You Owe vs. Your Available Credit Lines - 30% impact on your credit score.
• Your Credit History, or how long your accounts have been opened - 15% impact on your credit score.
• The type of credit that you have open - 10% impact on your score.
• The number of recent inquiries that have been made by creditors - 10% impact on your credit score.

Fast Facts:

• Pay debt on time
• Know your credit history
• Keep your credit balances below 50% of the available limit
• Credit inquiries affect your credit score
• Multiple inquiries by home loan lenders within 45 days count as only one inquiry