Things To Avoid During This Time

• Do not increase current credit card balances.
• Do not open new credit cards.
• Do not close existing credit lines.
• Do not make large purchases such as a car, or furnishings for your new home, on credit during the process. Also be careful about spending cash during this time. Large transactions need to be paper-trailed and cash reserves need to be maintained.
• Do not dispute items that you find on your credit report. In the short term, it can have a dramatic negative impact on your credit.
• Do not change employers or jobs during the process.