“Don’t guess when it comes to Credit”

“Don’t guess when it comes to Credit”





Hi Joe, you helped us a while ago to get a home and we would love to use your services again. My husband has a possible job transfer to Florida. His credit is not good but I am hoping we can use mine? I need to see if I can qualify for a loan, of course we would be selling our Glastonbury home to purchase one down South. Please let me know the information you need to see if I qualify.




It is so important to understand credit. There are often situations where two individuals want to purchase a home and one has better credit than the other.


Once I can view and understand the credit of each person, then we can decide on next steps. Most people don’t track their credit, they “think” they know what it looks like but that’s not always the case.


It’s best not to guess what your credit may look like!


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Joe Petrowsky, NMLS #6869

Right Trac Financial Group, Inc. NMLS #2709

110 Main St.

Manchester, Ct. 06042

Office: 860 647-7701 x116

Fax: 860 647-8940

Cell: 860 836-9294

Email: joe@righttracfg.com



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Joe Petrowsky does not guarantee nor is in any way responsible for the accuracy of the information provided herein, and provides said information without warranties of any kind, either expressed or implied.

Equal Housing Statement: We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the Nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing becuase of race, color, religion, sex, handicap, familial status, or national origin.

Comment balloon 7 commentsJoe Petrowsky • February 14 2019 02:51PM


Good morning Joe. Most people have no real idea. And, they look surprised when you deliver the news. Enjoy your day!

Posted by Wayne Martin, Real Estate Broker - Retired (Wayne M Martin) over 1 year ago

It takes a qualified and experienced Loan officer to determine whose credit and income to use to get the maximum allowable loan to value under the circumstances.  Some LO's do a very good job of that, some not so much since these ones are looking for instant gratification

Posted by Sham Reddy CRS, CRS (H E R Realty, Dayton, OH) over 1 year ago

Good morning, Joe Petrowsky getting the proper guidance is half the battle...and you're the phone call they make...

Posted by Barbara Todaro, Marketing Agent for The Todaro Team (RE/MAX Executive Realty ) over 1 year ago

I agree about not guessing credits scores. And they do change all the time - available credit limits go up or down and credit scores change. Apply for a few charge cards and credit scores change. 

Posted by Kat Palmiotti, The House Kat (406-270-3667, kat@thehousekat.com, Broker, Blackstone Realty Group - brokered by eXp Realty) over 1 year ago

I have seen people guess high and low.  Just go to a lender and get it right the first time

Posted by William Feela, Realtor, Whispering Pines Realty 651-674-5999 No. (WHISPERING PINES REALTY) over 1 year ago

Good morning,  Joe - guessing may be acceptable in some ways of life/living. Credit knowledge and buying power is not one of those.

Posted by Michael Jacobs, Los Angeles Pasadena 818.516.4393 over 1 year ago

Morning Joe.

Frankly I haven't checked my credit score in a long time.  I did buy a vehicle last year, they told me my credit score was 744, so I got a great interest rate.  

Posted by James Dray, Exceptional Agents, Outstanding Results (Fathom Realty) over 1 year ago