Max’s (Our Mortgage Expert) Tip: You need to use credit occasionally.

I did a pre-approval for someone who makes a lot of money. However, the rate he qualifies for at par is higher than the going average and if his credit score was 8 points lower, we couldn’t do the loan at all.

Using a credit card once in a while is like exercise for your body – if it wasn’t needed, would you ever see people in great shape at the gym?

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