Bradley Realty LLC

Earning Your Trust | Gaining Your Business



What You Can do to Improve Your Credit

Credit scores, along with your overall income and debt, are big factors in determining whether you’ll qualify for a loan and what your loan terms will be.  So, keep your credit score high by doing the following:

1. Check for and correct any errors in your credit report. Mistakes happen, and you could be paying for someone else’s poor financial management.

2. Pay down credit card bills. If possible, pay off the entire balance every month. Transferring credit card debt from one card to another could lower your score.

3. Don’t charge your credit cards to the maximum limit. 

4. Wait 12 months after credit difficulties to apply for a mortgage. You’re penalized less for problems after a year.

5. Don’t order items for your new home on credit — such as appliances and furniture — until after the loan is approved. The amounts will add to your debt.

6. Don’t open new credit card accounts before applying for a mortgage. Too much available credit can lower your score.

7. Shop for mortgage rates all at once. Too many credit applications can lower your score, but multiple inquiries from the same type of lender are counted as one inquiry if submitted over a short period of time.

8. Avoid finance companies. Even if you pay the loan on time, the interest is high and it will probably be considered a sign of poor credit management.

This information is copyrighted by the Fannie Mae Foundation and is used with permission of the Fannie Mae Foundation. To obtain a complete copy of the publication, Knowing and Understanding Your Credit, visit




About Kim

I truly love my career in real estate. It gives me the opportunity to serve people while earning a living. I have grown up in the Chelsea/Shelby County area and know all about the booming growth first hand. I have also worked in small family business for over 16 years so I know how challenging it can be making sound financial decisions. Working as an entrepreneur has allowed me to experience first hand the vast changes and growth throughout the county and state as well as give me much needed experience in sales, marketing, and communication with others. After working on the business side of development I became interested in obtaining my sales person license and have loved it ever since. Serving the community in real estate since 2006 I have now earned my Broker’s License. I look forward to earning YOUR business!


“My home buying experience, which was very limited, turned out to be a most pleasant experience and that was due to Kim. She has the knowledge you need and the caring attitude that makes all the difference. Knowledge can be obtained, but the care is that extra ingredient that she brings to her clients. She doesn’t just stop at the time of sale, she keeps up and offers her help with problems that might arise after the sale. I wouldn’t use anyone else should I need to make a change and I would recommend her to anyone seeking a competent caring realtor.”--Cande Maxie

“Working with Kim is a pleasure. She is good at what she does and will go the extra mile to make sure a transaction goes as smoothly as possible. She takes care of things you don’t even think about.” –L. McGhee

“Kim Bradley is the best realtor I have ever worked with. I have bought and sold many homes over time, and never have I experienced such a feeling of trust, knowing that the professional I was working with had my very best interest at heart throughout the process. I would highly recommend Miss Bradley without reservation. She is dependable, trustworthy and a pleasure to do business with.” –Katrina Wolf

“We couldn’t imagine having gone through the process of buying our first home with anyone other than Kim as our Realtor. We never once felt pressured or overwhelmed, and she always took the time to explain everything in detail for us. She really went above and beyond to make sure we were comfortable with our
decision. Kim truly has a servant’s heart, and we feel blessed to not only have her as our Realtor, but also as our friend.” — J. & E. Watkins

“Last year Kim was my real estate agent for the second time. I liked working with her so much when I bought my first house that I used her again when I upgraded :) She devotes herself to her clients and is great to have on your side. Top qualities: Great Results, Personable, High Integrity” J.S. Adams