Did you know your credit score can change every day? Your credit score or FICO score is a three-digit number used by lenders to help them decide whether or not to lend you money and at what interest rate. Knowing what lenders see as risky can help you avoid mistakes that can damage your credit score for years.

Here are some of the factors lenders look at:

Payment track record

How much debt owed

Credit history

Established credit

New credit inquiries

Types of credit accounts

If you want to have the best credit score possible there are a few basic things that, if done on a regular basis, should improve a credit score:

Pay all of your bills on time, every time.

Keep your credit card balances low.

Only open new credit when necessary.

Webster Dictionary states, “Anything that enters into a work of art without being indispensably necessary, as mere ornamental parts” is the definition of Accessory.

If you were to knock on my neighbors’ front door today, you would be greeted with accessories. Accessories of the season; pumpkins, corn stalks, and the ever beautiful display of mums and ornamental grass that makes their entry way one to remember and one you may try to mimic. We noticed most of the neighborhoods are decorating, they look good, and their houses look so festive. When shopping for your new home, you see great entry ways, back decks, hearths, even kitchen counter accessories that you most likely fall in love with and immediately get to work trying to put your spin on it, don’t you? Especially since the seasons and decorations are changing. It is fun to accessorize.

As you shop for your new home, as you have probably outgrown the one you are in, or your new job is relocating you, or empty nest has given you the urge to reinvent yourself, take a moment to admire the accessories you encounter. Sometimes you might even fall in love with a home because of the accessories. But that is the trick, right? Flowers, colors, decorations and scents… those are the accessories of life. And it doesn’t hurt when you are making that final decision about moving.

The house you toured yesterday probably had a style all its own. Maybe you didn’t particularly like the home owners’ style, color choices, or neighborhood, but the largest bouquet of blue hydrangeas in the most unique vase, on the longest dining room table that you have ever seen, made you happy. Didn’t it? By the time you had walked through the entire home, you probably had ideas for accessorizing your new house with various flowers, random colors and the new scents. Put the ideas you saw while housing in motion, your home can be a masterpiece of accessories too.

It helps once you purchase that new house to add a few touches of your own that is what makes it a home. Go ahead buy that sign that says, “Don’t forget to accessorize and call your parents”!

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