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

4921 Americana Dr #201

Bright and updated 2 BR inside the Beltway. Close proximity to local shopping centers, schools, and easy access to the highway. Kitchen opens out to a combined Living and Dining room area. Updates = Hardwood floors (2017), freshly painted (2017), new Dining Rm chandelier and bathroom vanity (2017) [Fairfax Heritage - $182,000]

4107 Lexington Ct #0

Heart of Old Town Fairfax & GMU! Largest floorplan w/ TH-style living! Open kit has bfast bar overlooking FR w/ gas FP and French door to deck. LR/DR offers great space to entertain. MBR has walk-in & spa bath w/ soaking tub, sep shower & dual sinks. 2nd BR w/ full bath & upper level laundry. CUE bus to Vienna Metro, unassigned/ample parking, walk to restaurants, parks, farmers market [The Crossings - $330,000]

4662 Luxberry Dr

METICULOUSLY maintained 3 bed/2 bath TH. Orig owners-updated w/ hi-end finishes. Almost $150k of upgrades! Gorgeous gray granite, SS appliances, & custom backsplash kitchen. Renovated baths! Formal DR overlooks private deck. Large, private lot--3 entertaining areas w/ custom landscaping & lighting. Master features skylight & hardwood floors. 2 Fireplaces. Prkg for 3 cars + 2 visitors. OH 7-23! [Kingsberry - $535,000]

9760 High Water Ct

*OPEN SAT 2-4* Completely renovated townhome on premium lot backing to woods & common area! Newly expanded kitchen w/granite counters, SS appliances, and white shaker cabinets. New wide plank flooring, all new bathrooms, doors, hardware, light fixtures, porcelain tile, ceiling fans, carpet, paint, & landscaping - house feels brand new! Newer HVAC, HWH, windows, siding, and roof. Agent is owner [Lakepointe - $435,000]

7435 Axton St

GREAT OPPORTUNITY & PRICE to make this home yours! Expansive two-level addition with vaulted ceilings allow for plenty of sunshine and room for entertaining. This 5 BR, 2.5 BA has a large lot, multiple decks, and a swimming pool. Home offers much more with first level hardwood floors and a wood-burning fireplace. [North Springfield - $510,000]

10507 Indigo Ln

Breathtaking updated SFH with 4Bd 3Bth 2C/Gr on a quiet cul-de-sac.Open floor plan with 2 story living room & separate family room.Main level full bath.Granite countertops,SS App,42" maple cabinets,HrdWd flr.Newer AC/HVAC.Freshly painted,custom light fxtrs.Fenced green back yard perfect for your family & for socializing.Walk to Metro Bus,VRE&Shopping. 1530sqft house on 5221 Sideburn sold for 585K. [Bonnie Brae - $589,900]

7602 Lauralin Pl

Backs to Parkland! In pristine condition! Hardwood floor on 2 levels, updated EIK, granite ctops, bay wndw, recessed lights & upgraded appls. MBR w/bath & WIC. Spacious loft plus floored attic. Ample storage thru-out. Finished LL & WO. New furnace, HWH (2015), replacement wndws & deck. Multiple car driveway parking. Sold as is. EZ access to 495/395/95/metro, Ft. Belvoir & shopping. [Springfield - $474,888]

4420 Briarwood Ct N #11

PRICE TO SELL** CLOSE TO MAJOR HWY ** EASY COMMUTE TO DC, PENTAGON** BRIGHT AND SPACIOUS 3 BED AND 2 FULL BATHS** LARGE BALCONY FACING TO PARKING LOT ** LOCATED ON THE FIRST LEVEL ( NOT ON THE GROUND ) MASTER BED ROOM WITH LARGE WALK-IN CLOSET ** [Briarwood Court - $214,500]

11272 Mobile Dr

Cash Only. Purchase subject to Mobile Park Approval. Visit Waples Mobile Park Office for application and list of requirements, Or contact listing agent for more info. [Weples Mobile Home Park - $35,900]

4911 Americana Dr #203

Great views and light, granite counters, new carpet, new paint, slate floor, breakfast bar, beamed ceiling, private views, large balcony, close to shopping, public transportation. [Fairfax Heritage - $156,000]

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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.