Joe Duggan, BROKER/OWNER's Blog
Your credit score is one of the most important numbers to your financial picture. You know how important it is to have a high credit score. If you pay your bills on time and keep your debt down, you think that your score will be just fine, but this isn’t always the case. There are a few hidden mistakes that you could be making that are bringing your credit score down. Read on to find out what to avoid when trying to keep your credit score up and maintain it.
Too Many Credit Inquiries
Beware that every time you apply for a new loan or even just check on what type of interest rate you can get, your credit will be reviewed. You want to avoid too many credit inquiries because a high number will bring your credit score down. Always ask if a lender is pulling a hard inquiry to check your score, don’t allow too many of these credit checks.
Anything Small Can Make A Big Impact
Was there a mistake on a medical bill that you paid but it says it was unpaid? If you let this go, your credit score could be impacted. Even unreturned library books that have been turned over to collections can negatively affect your score. Stay on top of things because you never know how a small mishap can affect you.
Your Information Is Wrong
You should look at your credit report so that you can see more than just your history. You can see the information that is being reported to check for mistakes. Incorrect information can bring your credit score down. You can call the credit bureau that’s associated with any errors that you see on your credit report. It can be a little bit of a process to correct the mistakes on your credit report, but the time and effort is definitely worth it for your credit score.
Not Using your Credit
While using your credit too much is a problem, not making use of your credit at all can be a problem. Responsibly use your credit. Open a credit card and use it to make small purchases. Charge only things that you can afford and pay the balance off each month. This simple use of a card is one of the easiest ways to establish credit.
It’s important to do what you can to develop and maintain a healthy credit score. Keep all of your avenues covered to be sure that nothing hidden can negatively affect your credit score.
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Green roofs are roof systems that feature a root repellent layer, waterproof layer, a filter membrane, drainage layer, and several types of vegetation. Installing these unique roofs does not require you to remove your existing roof because it is acceptable to mount the new one on top of it if engineered correctly. The idea of installing a green roof has become increasingly viral in America and beyond because of its numerous economic, environmental and health benefits:
Green roofs prevent rainwater runoff
If excess water seeps into the ground, it may weaken the foundation of your home, resulting in erosion and create pools of water that destroy the vegetation. Installing a green roof helps prevent these things from occurring by retaining more water in the roots, leaves, and soil embedded in the roof system.
Green roofs benefit local wildlife and promote ecosystem diversity
Green roofs can become a haven for birds and other tiny creatures that find it hard to survive on the ground. Green roofs serve as a home and keep them safe from predators, as well as giving them a resting point during migration.
Green roofs improve air quality
Plants have a high amount of purifying ability, and green roofs comprised of plants which convert carbon dioxide into oxygen and trap toxins and dust make the air cleaner for everyone.
Green roofs are energy efficient
Installing a green roof in your home will create an extra layer of insulation that is valuable during both the winter and summer months. During winter, a green roof reduces heat loss with its additional layers, and in summer the layers of soil and plants will shield your home from direct sunlight and keep it at a lower temperature.
Green roofs are durable and long lasting
A green roof incorporates a waterproofing layer installed underneath the layers of soil and vegetation. This waterproof layer has twice as long of a lifespan as the waterproof layer of conventional roofs. That means investing in a green roof will save you the time and money used in the maintenance or repair of traditional roofs.
Green roofs reduce noises
If you have noisy neighbors or if you live close to an airport or on a busy street, your green roof can dramatically lessen the amount of noise that gets into your home. Wonder how? Well, the combination of the vegetation and substrate within the roof system acts as sound insulation. Furthermore, tests have shown a reduction in noise of up to 50 decibels.
Green roofs keep you healthy
Many studies show that people who spend time surrounded by nature have a lower stress level compared to those who do not. The natural elements that create green roofs ensure that installing one keeps your stress levels down and your heart in good in shape.
If you’re looking for that unique home that already has a green roof, speak with your real estate professional to see what homes are available in your community.