personal finance

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  • How! I doubt I could ever afford one. 
  • I just bought a house here!
  • Easy, once I found out my credit score was at 680 I just needed to bring it up a little bit to get a better loan.
  • Credit effects if you get a loan?
  • Does the rate really matter in the long run?
  • Of course, the lower the score the higher the interest rate.
  • Yeah, it does, it can be thousand of dollars in difference let's say each month you pay $59 dollars more, well by the end of 3 years that $2,124 more that you paid
  • Wow, I really need to improve my score, or is it too late?
  • It's never too late. Of course it will take time though. You're going to have to pay your bills on time, not apply for credit as much, close unnecessary accounts, and check your report once a year. Plus, it will take time for your bad credit to go away, so just keep following these rules and it will improve.
  • Thanks for the tips, I never would have known.
  • Don't worry about it, when the time is right you'll get a great loan.
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