---
title: HomeTraq University | Credit
description: Credit |
---

[![HomeTraq](https://university.hometraq.io/hs-fs/hubfs/HomeTraqLogoSM-1.png?width=6000&height=1800&name=HomeTraqLogoSM-1.png "HomeTraq")](https://HomeTraq.com)

- [For Home Buyers](https://hometraq.com/how-it-works)
- [For Lenders](https://explore.hometraqbuyers.com/for-lenders)
- [For Agents](https://explore.hometraqbuyers.com/for-agents)
- [Live Video Tours](https://explore.hometraqbuyers.com/live-video-tours)
- Resources 
    - [Blog](https://university.hometraq.io)
    - [Guidebooks](https://explore.hometraqbuyers.com/resources)
- [Contact Us](https://explore.hometraq.io/lets-talk)

[![](https://university.hometraq.io/hubfs/Stock%20images/Man%20listening%20to%20music%20on%20headphones%20at%20home.jpeg)](https://university.hometraq.io/the-home-buying-process-first-steps-0-1)

## [The Home-Buying Process: First Steps](https://university.hometraq.io/the-home-buying-process-first-steps-0-1)

 Aug 6, 2020, 9:41:21 AM / by [Brett O'Daniell](https://university.hometraq.io/author/brett-odaniell) posted in [Pre-Qualification](https://university.hometraq.io/topic/pre-qualification), [house hunting](https://university.hometraq.io/topic/house-hunting), [home purchase](https://university.hometraq.io/topic/home-purchase), [Credit](https://university.hometraq.io/topic/credit), [Credit Score](https://university.hometraq.io/topic/credit-score), [homebuying](https://university.hometraq.io/topic/homebuying)

[0 Comments](https://university.hometraq.io/the-home-buying-process-first-steps-0-1#comments-listing)

Congratulations! You've decided to begin your journey to becoming a homeowner.  We know this cab be a stressful process, and are providing some information to help you along the way. 

[HomeTraq](https://hometraq.com/) has several key services that for giving you a positive foundation for your home-buying experience. We will be assisting in your home search, and our network of lenders will be helping you through the financial process. The best part? Our network of real estate agents is ready to start showing you a home on your terms!

 

 

Here's what you should know if you're planning to buy a house. 

**Finding a home to tour**

Searching for the right home is one of the most exciting parts of buying a house. It can be stressful at times, too. You can go in with certain expectations or with an open mind. Either way, you are making a huge decision, and it can carry a lot of stress.

That's why we are making it easy! Simply begin by visiting [HomeTraq](https://explore.hometraq.io/see-it-now-email)<https://explore.hometraq.io/see-it-now-email>to view a home at your convenience! Start by choosing the property you want to see and when you want to see it. Once you click "SEE IT NOW," we will coordinate the rest. Most importantly, you can tour the home at a time that fits your busy schedule!

We also want to be sure that you find the home that is fitting your requirements. That is why [**HomeTraq**](http://hometraq.com) is pulling houses from your local MLS (Multiple Listing Service) 24/7. This gives you several options for when you start your search. 

Finally, it is important that you are surrounding yourself with people who have been through the home buying process. It is a long process, involving a lot of decisions. Having someone you trust in your corner with experience buying a home can help answer any questions you may have or advise you along the way. 

 

[Read More](https://university.hometraq.io/the-home-buying-process-first-steps-0-1)

[![](https://university.hometraq.io/hubfs/Stock%20images/Closeup%20businesswoman%20hands%20holding%20white%20card%20sign%20with%20credit%20score%20text%20message%20isolated%20on%20grey%20wall%20office%20background.%20Retro%20instagram%20style%20image.jpeg)](https://university.hometraq.io/credit-fundamentals)

## [Understanding Credit \[2020 Insider\]](https://university.hometraq.io/credit-fundamentals)

 Mar 23, 2020, 8:26:31 PM / by [Brett O'Daniell](https://university.hometraq.io/author/brett-odaniell) posted in [Credit](https://university.hometraq.io/topic/credit), [Credit Score](https://university.hometraq.io/topic/credit-score), [credit profile](https://university.hometraq.io/topic/credit-profile)

[0 Comments](https://university.hometraq.io/credit-fundamentals#comments-listing)

**Credit Scores**

[Read More](https://university.hometraq.io/credit-fundamentals)

[![](https://university.hometraq.io/hubfs/Stock%20images/close%20up%20of%20hands%20using%20laptop%20and%20holding%20credit%20card%20%20as%20Online%20shopping%20concept.jpeg)](https://university.hometraq.io/the-essential-credit-check-list)

## [The Essential Credit Check-List](https://university.hometraq.io/the-essential-credit-check-list)

 Mar 6, 2020, 12:03:35 PM / by [Brett O'Daniell](https://university.hometraq.io/author/brett-odaniell) posted in [Mortgage](https://university.hometraq.io/topic/mortgage), [Lending](https://university.hometraq.io/topic/lending), [Home Loan](https://university.hometraq.io/topic/home-loan), [Credit](https://university.hometraq.io/topic/credit), [credit profile](https://university.hometraq.io/topic/credit-profile), [buying a home](https://university.hometraq.io/topic/buying-a-home)

[0 Comments](https://university.hometraq.io/the-essential-credit-check-list#comments-listing)

# The essential credit check-list for boosting your credit.

When it comes to obtaining the best interest rate and terms on a mortgage, good credit is critical. If you’re thinking about buying a home, the first thing you should do is ensure your credit score is in tip-top shape before you explore financing options.

 

[Read More](https://university.hometraq.io/the-essential-credit-check-list)

[![](https://university.hometraq.io/hubfs/Stock%20images/Keys%20and%20Golden%20Keyring%20with%20the%20Word%20Home%20over%20Black%20Wooden%20Table%20with%20Blur%20Effect.%20Toned%20Image.-1.jpeg)](https://university.hometraq.io/the-home-buying-process-first-steps)

## [The Home-Buying Process: First Steps](https://university.hometraq.io/the-home-buying-process-first-steps)

 Feb 24, 2020, 1:08:33 PM / by [Brett O'Daniell](https://university.hometraq.io/author/brett-odaniell) posted in [Pre-Qualification](https://university.hometraq.io/topic/pre-qualification), [house hunting](https://university.hometraq.io/topic/house-hunting), [home purchase](https://university.hometraq.io/topic/home-purchase), [Credit](https://university.hometraq.io/topic/credit), [Credit Score](https://university.hometraq.io/topic/credit-score), [homebuying](https://university.hometraq.io/topic/homebuying)

[0 Comments](https://university.hometraq.io/the-home-buying-process-first-steps#comments-listing)

Congratulations! You've decided to begin your journey to becoming a homeowner.

[HomeTraq](https://hometraq.com/) has provided several key concepts that will provide you a foundation for your home-buying experience. [For FREE, hands on help, Click Here](https://explore.hometraq.com/see-it-now-email)

[Read More](https://university.hometraq.io/the-home-buying-process-first-steps)

[![](https://university.hometraq.io/hubfs/ce_FICO-Score-chart.png)](https://university.hometraq.io/6-things-to-know-about-your-credit)

## [6 Things You Can Learn About Credit Right Now!](https://university.hometraq.io/6-things-to-know-about-your-credit)

 Feb 8, 2020, 7:48:17 PM / by [Brett O'Daniell](https://university.hometraq.io/author/brett-odaniell) posted in [Mortgage](https://university.hometraq.io/topic/mortgage), [Lending](https://university.hometraq.io/topic/lending), [millennials](https://university.hometraq.io/topic/millennials), [Credit](https://university.hometraq.io/topic/credit), [Credit Score](https://university.hometraq.io/topic/credit-score), [homeownership](https://university.hometraq.io/topic/homeownership), [baby boomer](https://university.hometraq.io/topic/baby-boomer)

[0 Comments](https://university.hometraq.io/6-things-to-know-about-your-credit#comments-listing)

Whether you are a millennial just starting to think of possibly applying for a loan, or if you are a baby boomer getting ready to refinance your 3rd house, its always good to keep track of what is going on with your credit and your credit score. Here are some quick highlights as to why it is so important and how you can monitor one of your most important assets.

[Read More](https://university.hometraq.io/6-things-to-know-about-your-credit)

[![](https://university.hometraq.io/hubfs/person-holding-100-us-dollar-banknotes-2068975.jpg)](https://university.hometraq.io/helpful-links-about-credit-credit-resources-and-credit-counselors)

## [Real Estate Insider - Credit, Credit Resources and Credit Counselors](https://university.hometraq.io/helpful-links-about-credit-credit-resources-and-credit-counselors)

 Feb 5, 2020, 11:28:31 AM / by [Mark Gorman](https://university.hometraq.io/author/mark-gorman) posted in [homebuyers](https://university.hometraq.io/topic/homebuyers), [Credit](https://university.hometraq.io/topic/credit), [Credit Score](https://university.hometraq.io/topic/credit-score), [financing](https://university.hometraq.io/topic/financing), [capital](https://university.hometraq.io/topic/capital), [mortgage payments](https://university.hometraq.io/topic/mortgage-payments), [homebuying](https://university.hometraq.io/topic/homebuying), [boosting credit](https://university.hometraq.io/topic/boosting-credit), [credit bureaus](https://university.hometraq.io/topic/credit-bureaus)

[0 Comments](https://university.hometraq.io/helpful-links-about-credit-credit-resources-and-credit-counselors#comments-listing)

**There are three major credit reporting agencies.**

[Read More](https://university.hometraq.io/helpful-links-about-credit-credit-resources-and-credit-counselors)

[![](https://university.hometraq.io/hubfs/Stock%20images/Young%20couple%20visualizing%20the%20decor%20of%20their%20new%20home%20sitting%20on%20the%20bare%20wooden%20floor%20pointing%20out%20and%20discussing%20placement%20of%20furniture.jpeg)](https://university.hometraq.io/5-steps-for-first-time-home-buyers)

## [5 steps to get ready for your home search](https://university.hometraq.io/5-steps-for-first-time-home-buyers)

 Sep 15, 2019, 7:43:00 AM / by [Brett O'Daniell](https://university.hometraq.io/author/brett-odaniell) posted in [Pre-Approval](https://university.hometraq.io/topic/pre-approval), [home shopping](https://university.hometraq.io/topic/home-shopping), [house hunting](https://university.hometraq.io/topic/house-hunting), [home search](https://university.hometraq.io/topic/home-search), [homebuyers](https://university.hometraq.io/topic/homebuyers), [housing market](https://university.hometraq.io/topic/housing-market), [step-by-step](https://university.hometraq.io/topic/step-by-step), [Credit](https://university.hometraq.io/topic/credit), [first-time](https://university.hometraq.io/topic/first-time), [homeownership](https://university.hometraq.io/topic/homeownership), [home tours](https://university.hometraq.io/topic/home-tours), [home ownership](https://university.hometraq.io/topic/home-ownership), [financing](https://university.hometraq.io/topic/financing), [before you buy](https://university.hometraq.io/topic/before-you-buy), [buying a home](https://university.hometraq.io/topic/buying-a-home), [moving checklist](https://university.hometraq.io/topic/moving-checklist), [homebuying](https://university.hometraq.io/topic/homebuying), [boosting credit](https://university.hometraq.io/topic/boosting-credit), [loan](https://university.hometraq.io/topic/loan)

[0 Comments](https://university.hometraq.io/5-steps-for-first-time-home-buyers#comments-listing)

In a competitive market where homes can fly off the market in a week or less, it’s essential that buyers come to the table prepared. Here’s a list of steps every home buyer should consider in their search.

[Read More](https://university.hometraq.io/5-steps-for-first-time-home-buyers)

[![](https://university.hometraq.io/hubfs/Stock%20images/Successful%20business%20woman%20celebrating%20with%20arms%20up.jpeg)](https://university.hometraq.io/six-features-first-timers-should-know-about-fha)

## [6 game-changing FHA home loan features often overlooked...](https://university.hometraq.io/six-features-first-timers-should-know-about-fha)

 Aug 31, 2019, 8:39:00 PM / by [Brett O'Daniell](https://university.hometraq.io/author/brett-odaniell) posted in [Mortgage](https://university.hometraq.io/topic/mortgage), [Lending](https://university.hometraq.io/topic/lending), [FHA](https://university.hometraq.io/topic/fha), [Back to work](https://university.hometraq.io/topic/back-to-work), [homebuyers](https://university.hometraq.io/topic/homebuyers), [housing market](https://university.hometraq.io/topic/housing-market), [millennials](https://university.hometraq.io/topic/millennials), [renovation](https://university.hometraq.io/topic/renovation), [step-by-step](https://university.hometraq.io/topic/step-by-step), [training](https://university.hometraq.io/topic/training), [203k](https://university.hometraq.io/topic/203k), [Credit](https://university.hometraq.io/topic/credit), [Credit Score](https://university.hometraq.io/topic/credit-score), [first-time](https://university.hometraq.io/topic/first-time)

[2 Comments](https://university.hometraq.io/six-features-first-timers-should-know-about-fha#comments-listing)

[Read More](https://university.hometraq.io/six-features-first-timers-should-know-about-fha)

[![](https://university.hometraq.io/hubfs/Stock%20images/A%20woman%20smiling%20and%20looking%20in%20front%20of%20her%20as%20she%20uses%20her%20credit%20card%20with%20her%20laptop..jpeg)](https://university.hometraq.io/adding-experian-boost-to-your-toolbag)

## [Cellphone & utility payments can now "boost" your credit score](https://university.hometraq.io/adding-experian-boost-to-your-toolbag)

 Jul 12, 2019, 8:32:00 PM / by [Mark Gorman](https://university.hometraq.io/author/mark-gorman) posted in [Mortgage](https://university.hometraq.io/topic/mortgage), [Credit](https://university.hometraq.io/topic/credit), [Credit Score](https://university.hometraq.io/topic/credit-score), [home ownership](https://university.hometraq.io/topic/home-ownership), [credit profile](https://university.hometraq.io/topic/credit-profile), [payments](https://university.hometraq.io/topic/payments), [mortgage payments](https://university.hometraq.io/topic/mortgage-payments), [boosting credit](https://university.hometraq.io/topic/boosting-credit), [credit bureaus](https://university.hometraq.io/topic/credit-bureaus), [experian](https://university.hometraq.io/topic/experian), [cell phone](https://university.hometraq.io/topic/cell-phone), [utilities](https://university.hometraq.io/topic/utilities), [bills](https://university.hometraq.io/topic/bills)

[0 Comments](https://university.hometraq.io/adding-experian-boost-to-your-toolbag#comments-listing)

 

[Read More](https://university.hometraq.io/adding-experian-boost-to-your-toolbag)

[![](https://university.hometraq.io/hubfs/Stock%20images/One%20businessman%20hand%20and%20the%20key%2c%20paper%20agreement.jpeg)](https://university.hometraq.io/benefits-of-owning-a-home)

## [Know the Benefits of Owning a Home Before Starting Your Home Search](https://university.hometraq.io/benefits-of-owning-a-home)

 Jun 27, 2019, 7:54:00 PM / by [Brett O'Daniell](https://university.hometraq.io/author/brett-odaniell) posted in [earnest money](https://university.hometraq.io/topic/earnest-money), [closing costs](https://university.hometraq.io/topic/closing-costs), [taxes](https://university.hometraq.io/topic/taxes), [insurance](https://university.hometraq.io/topic/insurance), [homebuyers](https://university.hometraq.io/topic/homebuyers), [housing market](https://university.hometraq.io/topic/housing-market), [step-by-step](https://university.hometraq.io/topic/step-by-step), [Credit](https://university.hometraq.io/topic/credit), [homeownership](https://university.hometraq.io/topic/homeownership), [home ownership](https://university.hometraq.io/topic/home-ownership), [financing](https://university.hometraq.io/topic/financing), [payments](https://university.hometraq.io/topic/payments), [maintenance](https://university.hometraq.io/topic/maintenance), [emergency funds](https://university.hometraq.io/topic/emergency-funds), [before you buy](https://university.hometraq.io/topic/before-you-buy), [homebuying](https://university.hometraq.io/topic/homebuying)

[0 Comments](https://university.hometraq.io/benefits-of-owning-a-home#comments-listing)

Home ownership has always been part of the American Dream. Because of that, many people [start their home search](https://explore.hometraq.com) without considering the benefits or risks. If you are contemplating buying a home, you should know and review the advantages & challenges of the investment decision you are about to make and all that comes with it before signing on the dotted line.

[Read More](https://university.hometraq.io/benefits-of-owning-a-home)

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