{"id":452,"date":"2023-01-20T23:08:00","date_gmt":"2023-01-20T23:08:00","guid":{"rendered":"https:\/\/teamhoffmann.info\/blog\/2023\/01\/2023-home-buying-ny-resolution-2-credit-rating-credit-clean-up\/"},"modified":"2026-07-15T15:06:15","modified_gmt":"2026-07-15T15:06:15","slug":"2023-home-buying-ny-resolution-2-credit-rating-credit-clean-up","status":"publish","type":"post","link":"https:\/\/teamhoffmann.info\/blog\/2023\/01\/2023-home-buying-ny-resolution-2-credit-rating-credit-clean-up\/","title":{"rendered":"2023 Home Buying NY Resolution #2 &#8211; Credit Rating\/Credit Clean-up"},"content":{"rendered":"<p>&nbsp;<\/p>\n<div class=\"separator\" style=\"clear: both;text-align: center\"><a href=\"https:\/\/cdn.crediful.com\/app\/uploads\/2017\/02\/730.jpg\" style=\"clear: right;float: right;margin-bottom: 1em;margin-left: 1em\"><img loading=\"lazy\" decoding=\"async\" border=\"0\" data-original-height=\"515\" data-original-width=\"800\" height=\"258\" src=\"https:\/\/cdn.crediful.com\/app\/uploads\/2017\/02\/730.jpg\" width=\"400\" \/><\/a><\/div>\n<\/p>\n<p><span style=\"font-family: arial;font-size: medium\"><b>2. Credit Rating\/Credit Clean-up<\/b><\/span><\/p>\n<p><span style=\"font-family: arial\">Have you checked your creditworthiness lately?<\/span><\/p>\n<p><span style=\"font-family: arial\">If you haven\u2019t, do it right now, as most lenders use this score and other factors like the debt-to-income ratio to determine your mortgage worthiness.&nbsp;<\/span><\/p>\n<p><span style=\"font-family: arial\">Remember the utility bill you failed to pay a few years back? Such histories of non-payment may come back to haunt you later in the form of a negative credit rating. Eventually, you may fail to qualify for the mortgage. Before your credit rating goes wrong, clean it up to qualify for a great mortgage.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>&nbsp; 2. Credit Rating\/Credit Clean-up Have you checked your creditworthiness lately? If you haven\u2019t, do it right now, as most lenders use this score and other factors like the debt-to-income ratio to determine your mortgage worthiness.&nbsp; Remember the utility bill you failed to pay a few years back? Such histories of non-payment may come back [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"pagelayer_contact_templates":[],"_pagelayer_content":"","footnotes":""},"categories":[1],"tags":[],"class_list":["post-452","post","type-post","status-publish","format-standard","hentry","category-real-estate","entry"],"_links":{"self":[{"href":"https:\/\/teamhoffmann.info\/blog\/wp-json\/wp\/v2\/posts\/452","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/teamhoffmann.info\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/teamhoffmann.info\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/teamhoffmann.info\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/teamhoffmann.info\/blog\/wp-json\/wp\/v2\/comments?post=452"}],"version-history":[{"count":1,"href":"https:\/\/teamhoffmann.info\/blog\/wp-json\/wp\/v2\/posts\/452\/revisions"}],"predecessor-version":[{"id":453,"href":"https:\/\/teamhoffmann.info\/blog\/wp-json\/wp\/v2\/posts\/452\/revisions\/453"}],"wp:attachment":[{"href":"https:\/\/teamhoffmann.info\/blog\/wp-json\/wp\/v2\/media?parent=452"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/teamhoffmann.info\/blog\/wp-json\/wp\/v2\/categories?post=452"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/teamhoffmann.info\/blog\/wp-json\/wp\/v2\/tags?post=452"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}