Now, if you don't have anything
wrong on your credit report, consider developing a payment plan to begin increasing the
amount of money you are putting on a
bill.
«It prevents people from having to pay a major
amount for an essential or big - ticket item if something goes
wrong,» adds Healey, noting that the last thing a new homeowner wants is to be hit with a big
bill during the first year
of owning the home.