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San Diego downtown real estate broker

Bob Schwartz, CRS, GRI 

Certified Residential Specialist



San Diego, California 92101

Telephone - Cell:
(619) 300-8819

(619) 229-0048

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Developing Your Credibility

By Bob Schwartz, CRS, GRI 2005 All rights reserved.

Whether you are just buying into a new home or are looking for another, your credit score is important. This plays a large part in helping you to qualify for the amount of money that you want and need. By maintaining your credit score, and comprehending how it will tie into your investment, you can be sure to benefit from the points that you have.

Before you get involved in a loan, you should check your credit score in order to make sure that you will be able to get the loan you really want. There are three key companies that rate your credit score, scoring you points for good credit and how your history has related to the credit that you have. The companies that you can get your credit score from are Equifax, Experian, and Transunion.

Credit scores will affect the loan you receive because it helps you get pre-approved for a loan. Lender companies will also be more eager to work with you if you have a larger score. They will also have the ability to give you a higher amount of money. This usually means that you have been responsible with keeping up with your payments, have a good history, and have handled things such as overdue payments. For some, this is the only way that any loans will be approved. For others, various factors will be considered, such as financial stability, your income, and job status. Before even beginning the process of finding real estate, you should make sure that these are in the right place.

By totaling up the points you can also calculate the abilities that will take place with your loan. Comprehending the various components of your credit score can help you to save time and money, as well as get you approved for the loan that you really want. Merely adding it all together will be the place that you want to start in order to build your credibility.



Bob Schwartz, is a Certified Residential Specialist, CA licensed real estate broker with Bob has over 27 years of residential real estate experience, authored a number of published articles and served as an expert witness for San Diego lawyers. You can contact Bob via e-mail at or visit his highly popular San Diego real estate website at:
This work is protected under copyright and may not be published in other works without express written permission from Promotions Unlimited or the following procedures are implemented: Please feel free to publish this article (as long as no changes are made (all hyper-links to remain and not be modified in any way) and the author's name and site URL's are retained) in your ezine, newsletter, offline publication or website. A copy would be appreciated at Click here to email Bob


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