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Why do you even need a strong credit score? It makes it far easier to qualify for loans and credit cards with low interest rates.

Your three-digit FICO credit score reflects how well you've paid your bills and managed your credit in the past. A higher score means that you have practiced sound financial habits and are less likely to default on loan or credit card pay
ments.

Because you are less of a risk, lenders will reward you with lower interest rates when your credit score is high. That will result in lower monthly payments: The lower your interest rate, the lower your mortgage, student and auto loan payments will be each month.

And what is a good FICO credit score? Most lenders consider a score of 740 or higher to fall into the "very good" category. A score of 800 or higher is considered "excellent." Your goal should be to get as close to these numbers as you can.

Step one: Pay your bills on time
The most important step to building a good credit score? Pay your monthly bills on time.

Certain monthly payments, such as the ones you make on your mortgage, student, auto and personal loans, are reported each month to the national credit bureaus — Experian, Equifax and TransUnion. Your credit card payments, too, are reported to these bureaus.

If you pay any of these bills 30 days or more past their due dates, they will be reported as late to the bureaus. That's a big problem: A single late payment will remain on your three credit reports for seven years. And one late payment can drop your credit score by 100 points or more.

The smart move, then? Pay all your bills on time to steadily build a stronger credit score.

Step two: Pay down your credit card debt
What is the next most important move you can make? Pay down as much of your existing credit card debt as you can.

The more of your available credit you use, the worse it is for your credit score. But when you pay off your credit card debt, your score will steadily improve.
Study your household budget. Devote as much of your extra income as you can each month to paying down that credit card debt. Doing so will help you reach the "very good" and "excellent" range of credit scores.

Don't look for a quick fix
If your credit score is damaged, it will take time to improve it, even if you take the two steps above. How long? That depends. If your score is low enough, it might take a year or more of on-time payments and debt reduction to boost your score to 740 or 800.

Don't be tempted by any company that promises to instantly boost your credit score for a fee. There is nothing a company can do to improve your score that you can't do on your own for free.

The better approach is to take the slow-and-steady route to gradually repair your ailing credit.

Posted by Wolf Parlar

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What our clients are saying  

Mr. Parlar is one of the most ethical and honest agents I have ever worked with! I have used many agents in my 20 year Real estate investing and I must say, after meeting him online a few years back, I only use his service and handle my financing needs through him whenever I need to obtain financing. I appreciate his care and handling of transactions as though it's his own. I highly recommend him to anyone who want to use his service. Bought in Los Angeles, CA and West Hills CA and sold in Palmdale, CA and Frazier Park CA.

 

~ Michael A. Murtada

We have found Wolf via internet and usually we don't use companies that were not personal referrals, but from very beginning, Wolf came across so professional, very knowledgeable and very honest, that we felt comfortable doing business with him. He helped us sell our townhouse and we were very happy with everything - his response time to our questions, the way he handled the buyers and their agent, his negotiations skills/opinion/input on the deal. We would absolutely recommend his services to our family, friends and others. Sold in Calabasas, CA Sold In West Hollywood, CA Bought in Marina Del Rey, CA

 

~ Lara Goldberg

We listed our property for sale with Wolf. It was our first experience selling. We interviewed brokers in our area to list, and found Wolf to be very professional and knowledgeable, putting us at ease. After signing the contract, he made the process very streamline and simple. Wolf has an excellent team, from photographer to escrow. He was able to get multiple offers within days, and we are very happy with the selling price. I highly recommend Wolf, as he has been a great asset to us! Bought in Long Beach, CA

 

~ Gary Gwin

Wolf was there for me every step of the way. He was reliable, knowledgeable, and very good at what he does. My investment property is beautiful and the transaction went smoothly from beginning to end. I highly recommend him and look forward to working with him again in the near future. Bought in Los Angeles, CA

 

~ Alex Evan

I would highly recommend Wolf V. Parlar after my experience in buying our new condo. RESPONSIVE, RESPONSIVE and did I mention RESPONSIVE. During our search we came in contact with numerous agents but Wolf was the one that made himself available 24/7. He was always a phone call, text, email or meeting away. He was knowledgable, very well prepared and anticipated our needs through the whole process. He gave guidance and strategy throughout our offer and counter offer. He was "on it" from start to finish and always generous with his time. We closed escrow several weeks ago and this morning received an email from him following up and making sure we are happy, which we are. Wolf is dependable and very professional, and I would happily recommend him. Thank you, Wolf! Sold in San Pedro, CA and Bought in Huntington Beach, CA

 

~ Hyun Joo Kim

Wolf had contacted me a couple of years earlier, when I was considering buying a home. He was very knowledgeable and helpful. When I was ready to buy a home, I got into contact with him again. His knowledge helped me go through the process smoothly. He came to show me the property and offered useful insight into the neighborhood. He then negotiated down the sales price. He also brought his home inspector after the offer was accepted. We were able to get some money for the repairs. The escrow closed in about a month. Wolf does his paperwork with electronic signatures, which speeds up the process. The overall process was smooth and efficient, thanks in large part to Wolf. Bought in Paramount, CA

 

~ Gokhan Esirgen

It was an absolute pleasure working with Wolf (and Will!) during the entire buying process. Customer service was excellent (prompt response, very knowledgeable of the market and he negotiated on my behalf so I didn't overpay for my property, in fact, I saved $5k+). We looked at many homes together and he pointed out all of the flaws of the homes; it definitely shows that he cares and isn't looking to make a quick commission. Even when I wanted to make an offer on a home, he would advise me to keep looking because he knew there was something better out there. And he was right because we just closed on a beautiful home! Truly truly truly happy with the service that he provided. I would recommend him to everyone I know. Bought in Hawthorne, CA

 

~ Nancy Phan

I would highly recommend Wolf V. Parlar after my experience in buying our new condo. RESPONSIVE, RESPONSIVE and did I mention RESPONSIVE. During our search we came in contact with numerous agents but Wolf was the one that made himself available 24/7. He was always a phone call, text, email or meeting away. He was knowledgable, very well prepared and anticipated our needs through the whole process. He gave guidance and strategy throughout our offer and counter offer. He was "on it" from start to finish and always generous with his time. We closed escrow several weeks ago and this morning received an email from him following up and making sure we are happy, which we are. Wolf is dependable and very professional, and I would happily recommend him. Thank you, Wolf! Bought in Hollywood, CA

 

~ Joan Dyer

With regards to selling of my property in Culver City, California Mr. Wolf Parlar and Parlar Realty Company has demonstrated excellent organizational and negotiation skills during the opening and closing processes for the sale of my condominium. Based on his honesty and attention to detail I have no hesitation to recommend he and his company to other potential real estate buyers and sellers. Sold in Culver City, CA

 

~ Eugene Meyer

Amazingly responsive and highly intelligent real estate agent of our dreams. Wolf fought and negotiated for us, and used his savvy expertise to help us move seamlessly from our original home to the house of our dreams. He was available night and day, and explained any doubts we had very thoroughly. He scoured the listings for us, and was immediately available to show us any properties we asked about within hours, not days. His connections within the industry made our successful offer on the house we wanted possible. Through his skillful negotiation, he helped to convince the seller of our new home that we were the family to choose. He was outstanding from start to finish, and we would recommend him without hesitation. THANK YOU WOLF! Bought and Sold in Los Angeles, CA

 

~ Lynn Ellias

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