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Andrew – Account Manager : If you're interested in getting a mortgage, it's really important that you maintain and have a good credit rating.
Your credit rating is basically a tool that the bank uses in order to qualify you for a credit facility. Whether that's a mortgage, a credit line or a
visa. So basically it's going to show us what the payment history of past credit facilities is and how you've managed your debt up until this point
in time. Managing your credit has to be a personal priority. In order to qualify for loans going forward, you need to make sure that
on a monthly basis you're making your payments. If you can't make the full payments make at least the minimum payments and don't miss your
payments. Be aware of how much credit you have available to you. This is totally personal to you and it is extremely important that you are aware of
what you have and what you really need. If you're interested in finding out what your credit rating is, go online to one of these credit bureaus.