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Jane Peng

Right At Home Realty Inc., Brokerage

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 Your Credit Score Matters...

To qualify a mortgage from a big bank, you will need a credit score of 650 or higher. But to get the best mortgage rates now a days , you will need a credit score at least 760 for most of the banks.   

If you are planning to purchase a home in the near future, it would be your best interest to check out your bacon score from now.  The cost is $24.99 plus HST.



Here are some quick ways to build or fix your credit rates:


  • If you do have a credit card, please apply one NOW! If you have 2 or 3 credit cards already, Please stop applying for more!

  • Pay your credit card balance in FULL and ON TIME! Best, make it in 2 installments.

  • Only use up to 30% of your credit card limit, 10% is ideally.

  • Double check your credit card information from your credit report, if you see any unused cards which are still remaining active, must cancel it at once!


Please remember, your cell phone bills, car loans will affect your credit score as well, you must make sure they are also pay on time and no bad debts outstanding.



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