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Improve Your Credit Score

Wednesday, May 15, 2024
by Tucker Robbins

 


The main consideration in a home-buying decision is financials. In order for a lender to see you as a good prospect, the first thing they look at is your credit score.  No one is perfect, and even if your score isn’t ideal, you can (and should!) take the time to improve it before you start looking at prospective homes. 

 

  • - To see what your credit score is, request a free credit report from all three reporting agencies.  Check each report for errors, and report them to both the credit bureau and company that reported it. 

  • - If there is a legitimate collection on your credit report, pay it as soon as you can, but it will not be removed from your credit history for seven years, although it will be marked as paid. 

  • - Old debt on your report that was paid in full and on time is better for your score than having it removed.  So if you’ve paid off an account in good standing, leave it as long as possible. 

  • - If you have a history of keeping your payments on time, that’s great, because late payments hurt your score.  Stay current by setting reminders to mail payments before their due date, or set up automatic payments through your bank. 

  • - Pay off your credit cards!  This is so important, because the more outstanding debt you have, the lower your score.  Pay off the smallest balance first, and the larger balances can be paid off sooner by increasing your payments, or send equal payments twice per month if the creditor allows. 

  • - Canceling a credit card that you’re trying to pay down sounds like a great idea, but it isn’t, according to FICO™.  It’s better to simply pay off the card, and use it as minimally as possible--charging to it once a month for a take-out dinner keeps it active. 

  • - Don’t have a credit card?  Shop around for one with a good interest rate, and apply.  Having at least one credit account in good standing is better than none at all for those who haven’t really started establishing a credit history. 

  • - Applying for loans or credit with multiple agencies can hurt your score.  Avoid new credit accounts while you’re trying to bring your score up. 

  • - If you are truly hurting financially, and don’t see a light at the end of the tunnel, contact a reputable credit repair agency that can assist you in getting your bills paid, manage your finances, and increase your home purchase chances. 

 

There is no hurrying when it comes to improving your credit rating, so plan on taking several months to a year to bring your score up to a number that will impress lenders.  It’s not all about the loan, it’s also about getting a good interest rate.  Much like taking up jogging to get into shape, take it slow, increase your efforts every month, and you’ll soon be showing off the results! 

 

Courtesy of New Castle County DE Realtor Tucker Robbins.   

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Using Your Garage for Storage - The Right Way

Wednesday, May 8, 2024
by Tucker Robbins

Americans use their garages for much more than just parking their cars, and storage use is the number one choice! While it makes sense to stash things in there, out of the way and unseen because it is more convenient to get there than it is in the attic, some items should not be kept in the garage.

  • Propane tanks should be stored outside, on a flat surface, away from anything that can spark. If you have tanks inside your garage, and the valve begins to leak, it can be deadly.  
  • Any cloth or rags with oily residue should be treated with great care, as they can spontaneously combust. Check out this quick video from This Old House that shows how to treat rags used for woodwork, and soak cloths used for car repair in a bucket with dishwashing liquid and hot water, rinse, and wash in your machine or toss them in the garbage.
  • Paint is highly flammable, and can be rendered useless in a garage, where temperatures can be extreme. Look for the manufacturer's recommended temperatures on the can, and store it accordingly.
  • Firewood is an attractant for pests, and as convenient as it may be to keep it close by in the garage, it is best to keep most of it at least twenty feet from the house. Bring in only what is needed for a day.
  • Canned food should be stored at room temperature, so if you find your pantry overflowing, donate extra to a food pantry. Keeping it in fluctuating temperatures can cause spoilage or affect the quality of the food.
  • Refrigerators not manufactured to stand extreme temperatures can fail in a garage, leaving you with a mess and ruined food. Purchase a refrigerator made for garage use, or add a garage kit to an existing unit that will maintain the temperature outside the unit in winter. Deep freezers should be kept out of direct sunlight, or at least in the coolest area of your garage.

Cleaning out the garage can be a monumental task, but if you have any of these items stored there, you need to get them out and stored properly. Keeping your home and family safe should be the highest priority, and no amount of hard work is worth the risk of losing either.

Courtesy of New Castle County DE Realtor Tucker Robbins.   

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Let the Kids Grow - in the Garden!

Wednesday, May 1, 2024
by Tucker Robbins


Taking time to work in the garden can be turned into family fun when you get the kids involved.  Children are usually fascinated with how things grow, and being a part of the process may even get them to try some new foods!  Try some of these projects to get them interested, and not to mention, free help in the garden! 

 

  • - A bean teepee is a fun and relatively easy project.  Assemble three 8-foot poles in a tepee shape, make sure you give them a good push several inches into the soil, and tie the poles together at the top with jute twine.  Continue using the twine to make a loose net so the vines will have support, just make sure you leave one section open for a doorway.  Plant pole bean seeds at the “base” of the poles and webbing, and watch them grow, and the kids will soon have a little hideaway with fresh beans close by for a snack. 
     

  • - Once your garden is planted, have the kids paint rocks as decorative row markers. 
     

  • - Hummingbird feeders are a common sight, but how about butterfly feeders?  Make this one from Garden Therapy with a clean plate, mason line or twine and a beads.
     

  • - If you don’t have room for a full garden, try a few plants that can be grown in clean five-gallon buckets.  Make sure there’s a drain hole in the bottom, add about an inch of gravel, broken old clay pots or old bricks, and add a good potting soil/compost mix.  Plant cherry tomatoes, bush beans, cucumbers, or zucchini, following the planting guidelines. 
     

  • - Plant recipe-specific plants:  have a spaghetti sauce or pizza row with tomatoes, oregano, basil and bell pepper; a salsa row can have tomatoes, cilantro, garlic, peppers and onions; plant chamomile, any type of mint, or lavender and make tea! 
     

  • - Sunflowers are always an amazement to children because they grow so tall.  These beautiful giants can be grown in many layouts using a garden hose to make the design, leaving room for a path if you’re planting a mini-maze, then planting the seeds along the way, and sunflowers can even be trained to make a little house.   
     

  • - Grow flowers whose blossoms open at different times of the day:  morning glories, daylilies, four o’clock, evening primrose and moonflowers. 
     

  • - A garden based on favorite storybooks is another good way to get them to dig in the dirt.  Plants based on The Tales of Peter Rabbit, Stone Soup, and Blueberries for Sal are just a few ways to engage children in growing and eating what they’ve grown. 
     

  • - Adding a water feature doesn’t have to mean a huge pond with waterfall--small pond containers are available at garden centers, as well as water plants.  Create a mini pond with this guide from Better Homes & GardensⓇ.  

 

There are so many benefits to your family while spending time together outside. Gardening encourages your children to try new things, and gives them a knowledge of where their food comes from, along with a little biology.  You may even be creating life-long gardeners.  Most importantly, you’re making memories. 

 

Courtesy of New Castle County DE Realtor Tucker Robbins.   

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Tucker Robbins
Berkshire Hathaway HomeServices
3838 Kennett Pike
Wilmington DE 19807
(302) 777-7744 (direct)
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