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Kenny J

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Trying to Get on the Road to Good Credit? Here’s Some Tips

By Kenny J August 2nd, 2022
Looking to build your credit score? Here's some practical tips.

Do you have Good or Bad Credit?? Well if you answered bad, the good news is you can correct it! It all starts with making good decisions.

So buying a new home, new car, maybe applying for you first business loan, well the first step is pulling your credit. Now if you’re looking to purchase that first home mortgage companies will want to see  your mid FICO SCORE. What is a mid FICO SCORE?  This is a score that  mortgage companies will look at to determine if they can approve you for a mortgage loan.

So they will look at your Equifax, Trans Union, and Experience report and take your middle score to see if you can qualify.  Here is an example:

(Equifax 736)      (Trans Union 727 )        ( Experience 748)  Under this example your mid score would be 736.   Now in most cases FHA Loans requires a 620 

Now some banks may have overlays which may require a higher score like a 650

Here are some tips that can help you on your journey to good credit.

  1. Make all payments On Time.
  2. Keep Your DTI (DEBT TO INCOME) LOW.
  3. Keep all debt at 7% or lower

7 Best Ways to Build Good Credit

A credit card isn't a permission slip to buy things you can't afford. Overusing a credit card is the quickest way to get into debt and credit trouble. The best way to build good credit is to create the habit of charging only what you can afford.

Ready to Fly? Here's the Top 5 Drones on the Market Right Now

Who loves flying drones? Well I do too! so if you’re thinking about getting into drones you’ve come to the right place. Drones can be a lot of fun! plus can even pick up some extra money on the side. Now you have two options as it pertains to the type of pilot you wish to be.  First options (Recreational Pilot )which means you fly for recreational purposes only.

Second option ( Flying Under Part 107  )In order to fly your drone under the FAA‘s Small UAS Rule (Part 107), you must obtain a Remote Pilot Certificate from the FAA. This certificate demonstrates that you understand the regulations, operating requirements, and procedures for safely flying drones.

  • Be at least 16 years old
  • Be able to read, speak, write, and understand English
  • Be in a physical and mental condition to safely fly a drone
  • Pass the initial aeronautical knowledge exam: click the link below to learn more.
  • https://www.faa.gov/uas/commercial_operators/become_a_drone_pilot

Let’s take a look at some of my favorite drones out there on the market.

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