Credit scores range between 200 and 800, with scores above 620 considered desirable for obtaining a mortgage. The following factors affect your score:

1. Your payment history. Did you pay your credit card obligations on time? If they were late, then how late? Bankruptcy filing, liens, and collection activity also impact your history.Credit Cards
photo credit: Andres Rueda
photo credit: Andres Rueda

2. How much you owe. If youowe a great deal of money on numerous accounts, it can indicate that you are overextended. However, it’s a good thing if you have a good proportion of balances to total credit limits.

3. The length of your credit history. In general, the longer you have had accounts opened, the better. The average consumer’s oldest obligation is 14 years old, indicating that he or she has been managing credit for some time, according to Fair Isaac Corp., and only one in 20 consumers have credit histories shorter than 2 years.

4. How much new credit you have. New credit, either installment payments or new credit cards, are considered more risky, even if you pay them promptly.

5. The types of credit you use. Generally, it’s desirable to have more than one type of credit — installment loans, credit cards, and a mortgage, for example.

For more on evaluating and understanding your credit score, visit www.myfico.com.

Properties in Braddock District

8711 Braeburn Dr

WELL MAINTAINED BRICK HOME..Curb appeal..Nice landscaping..Beautifully treed yard w/rear fence..1 car garage...Woodson High School pyramid..Freshly painted interior..Hardwood floors on most of main level..Lovely sunroom w/skylights, ceiling fan & SGD to deck..Huge lower level Rec Room w/raised hearth woodburning fireplace..New carpet on LL bedroom..Seller use Natl. Settlement Service for settlemnt [Willow Woods - $600,000]

10208 Grovewood Way

Welcome to this Spectacular home in one of Fairfax County' s most centrally located communities. Quality and attention to detail abound in this meticulously kept, architecturally rich Victorian with wrap-around porch and gazebo. Minutes to VRE and Bus transport and convenient to many of the DC metro area bases. Roof & Water Heater replaced within last 5 years. This home is move in ready! [Bartons Grove - $739,000]

4730 Spruce Ave

Brick rambler on 1-acre lot, w/open floor plan, kitchen with stainless steel KitchenAid & LG appliances, induction cook top, convection oven and microwave. Addition includes large master suite with bathroom and family room with hardwood floors. Located on dead-end street in established, quiet neighborhood. Custom mudroom, two-car garage, storage shed, and ample parking in newly paved driveway. [Glen Alden - $830,000]

4219 Stackler Dr

Great location, Restaurants, Shopping Center, just minutes to Route 66, Route 123, Route 50, about 25 minutes to Washington DC. [Waples Mobile Homes Park - $45,000]

5802 Wood Poppy Ct

Beautiful 3 BR townhouse backs to woods/trails/VRE in Burke Centre! Spectacular remodeled kitchen with custom cabinets, updated lighting & tile floor. Finished deck w/built in seating. Great views! Fully finished walk out basement. New roof 2014, Thompson Creek Gutters 2015, New HVAC 2015, New Washer/Dryer 2016. Remodeled bathrooms, closet systems in bedrooms, french doors to backyard. Must see! [Burke Centre - $395,000]

12304 Cannonball Rd

OPEN HOUSE 1/21 1-4*AMAZING OPPORTUNITY*Classic center-hall colonial on GORGEOUS .59 acre lot*entire interior freshly painted*new ceramic tile foyer/kitchen/laundry/all baths*baths updated w new cabinets/tops/mirrors/lighting/toilets*new kitchen granite/sink*replaced carpet main & upper levels*replaced double-pane windows & SGD*wonderful screened porch & deck overlooks hard-to-find yard & lot [Buckner Forest - $575,000]

5932 Cove Landing Rd #302d

Marvelous, remodeled condo in private setting and on the top floor. Real hardwood floors; new kitchen with "breakfast' bar. Cozy fireplace in the living area. Master bedroom has double-closets. Den/second bedroom offers versatility. Washer/dryer in unit. Don't miss this opportunity to hit the market before the competition gets busy this Spring! [Burke Cove - $234,500]

4036 Werthers Ct

BEAUTIFULLY UPDATED BRICK TOWNHOME ON PREMIUM LOT IN RANDOM HILLS! Stunning open updated kitchen w/granite counters, SS appliances, painted cabinets, & island * Luxurious renovated master ba w/silestone double vanity, shower w/seamless glass, soaking tub, new tile & lighting * Upper level laundry * 3-sided gas fireplace * Relaxing deck overlooking common area * Remodeled lower level suite * + more [Random Hills Land Bay - $536,900]

11605 Ten Penny Dr

Custom Estate on 6.39 private acres that's close to GMU, I-66 & DC Beltway! Surrounded by natural beauty, an open patio & entertainment deck! Plus, 3-story Extension, Finished walkout basement, 3-car Garage, Grand-sized rooms, Curved staircase! Gourmet granite Kitchen w/open Morning Room- Vaulted FamRm w/wet bar, FP & back staircase- Luxury Master Suite, SittingRm & whirlpool FBA! Loft! Huge RecRm [Ten Penny Woods - $1,200,000]

10516 Arrowood St

Beautifully Renovated Move in Ready Home In Sought after Bonnie Brae! Featuring Marble Floors in Kitchen and Bathrooms, Vaulted Ceilings,Two story custom wood burning Fireplace, New Paint,Recessed Lighting,Replacement Windows/Doors, Master St w/Sitting Rm & Balcony, Large Freshly Stained Deck, Private Back Yard w/Landscape lighting on timers. Minutes to VRE, Schools, Shopping&Restaurants. NO HOA. [Bonnie Brae - $669,900]

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Will Nesbitt

View posts by Will Nesbitt
Will is the principal broker of Nesbitt Realty and Condo Alexandria. He is licensed in anywhere in the Commonwealth of Virginia, but focuses on those communities found in and around Alexandria, Arlington, Mount Vernon and Springfield/Franconia. Will has been involved in real estate management, sales and investment for more than twenty years. He is a veteran of the U.S. Army. While in the army, he studied Russian at Monterey's Defense Language Institute. He is also a "veteran of the dotcom wars" and built most of the sites associated with NesbittRealty.com Will currently resides in Belle Haven Estates just outside Old Town, overlooking New Alexandria. He is a former president of the Mount Vernon Youth Athletic Association and founded the Alexandria Fun with Friends Group. Will is the author of BattlestorM, a tabletop fantasy game, which was published by Ral Partha Publishing in the late '90's, and Arthur's Realm, a boardgame available at the Gamecrafter.