"One of the biggest factors in determining your credit score is your past payment history. While one or two late payments on your credit cards, loans, or other important obligations over a long period of time may not significantly damage your credit record, making a habit (or mistake) of it can count against you. Other tricky factors the article mentions include having too many existing debt, owning multiple credit cards, and having incomplete information in your financial documents, such as full legal name, or changes in address. The credit score is just one aspect of the process. Along with improving your score, you should also find trusted GA mortgage lenders like the Churchill Mortgage Corporation to find affordable and flexible payment schemes."
http://georgia.churchillmortgage.com/info-articles/high-credit-score-to-raise-your-chance-for-a-good-georgia-mortgage/
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