If you are like most people, then you'd  notice it so often happens that it is exactly those times that you require your credit rating to be in stellar form that it gives you the biggest shocks. You know, like when applying for a mortgage or trying to rent an apartment or get financing for well, anything?!

If It's your desire to apply for mortgage financing now or anytime in the future, but feel your credit will get in the way, make no mistake about it because agents at Summit Mortgage can be of immense help in assisting you land your dream home.

The following are five well- thought out tips from our team that we believe will prove pivotal even as you pull your weight into landing your dream home with guidance from our team. Kickstart your own personal credit repairs with these five tips:

1. Know your standing

As long as you have no idea what your credit standing is, there is no way you can have it fixed. Obtaining a free copy of your credit report- which will reveal your credit rating - is a good place to start. Your credit report will reveal exactly what your credit rating is. It is your job however to ensure that  every information on your credit report is spot-on so that in the event that there are certain errors in there, you can have them challenged and disputed.

2. Know the Process

The process of having your credit repaired is not always a straightforward one and may take considerable time working on it. Just like working on your fitness, results aren't going to by overnight and may sometimes take years.  But you shouldn't despair. As long as you hold fast to your positive credit program, the positive results are bound to kick in.

3. Settle bills as soon as possible

If you want your credit history to be forgotten and fast, one of the quickest way to do so is to have your credit card bills paid on time, every single time. There are no two ways about that. Paying bills late is out of the question when trying to boost your credit score. It's either you set up to make automatic payments or set up payment reminders to ensure you pay each bill when it’s due.

4. Avoid using credit

 This is not to suggest that you close all your credit card accounts. The plan is to desist from  using them altogether when repairing your credit  because available credit is a good thing. In fact,  you appear more responsible to the credit bureau when even with available credit, you are not racking up the balances.

5. Desist from opening new Accounts

This should actually be a no-brainer but what's the harm in trying to help you out? Having available credit is definitely a good thing, but if you’re in the process of repairing credit,  you surely don't want to start opening up another credit card. Don't shoot yourself unnecessarily in the foot by doing so.