{"id":17058,"date":"2021-12-09T16:47:55","date_gmt":"2021-12-09T23:47:55","guid":{"rendered":"https:\/\/www.richmondamerican.com\/blog\/?p=17058"},"modified":"2025-03-10T09:40:39","modified_gmt":"2025-03-10T15:40:39","slug":"manage-credit-score-during-holidays","status":"publish","type":"post","link":"https:\/\/www.richmondamerican.com\/blog\/manage-credit-score-during-holidays\/","title":{"rendered":"How to Manage Your Credit Score During the Holiday Season"},"content":{"rendered":"\n

The holidays are a tempting time to splurge, but if you\u2019re planning on purchasing a home in the near future, keep a close eye on your bills. \u2018Tis the season for holiday spending, but the five tips below will help keep your credit score in great shape.<\/p>\n\n\n\n

    \n
  1. Check in<\/strong>
    Forget making a list and checking it twice\u2014check your credit score instead! It can be easy to forget where your score is and keeping the number top of mind is a great way to prioritize your credit goals over your shopping list during the holidays.<\/li>\n\n\n\n
  2. Track everything<\/strong>
    Between mall madness and online shopping, it\u2019s a challenge to keep track of exactly how much you\u2019re spending. Don\u2019t assume all purchase totals are accurate; review your receipts and credit card statements carefully and dispute any discrepancies, or a simple mistake could end up costing you money.<\/li>\n\n\n\n
  3. Avoid big changes<\/strong>
    The new year may be approaching, but there\u2019s a good reason to hold onto your old credit card accounts. Closing long-term accounts shortens your credit history and lowers your available credit limit, which may hurt your chances at an attractive mortgage.<\/li>\n\n\n\n
  4. Spend thoughtfully<\/strong>
    Your loved ones may have wish lists a mile long, but don\u2019t apply for new credit cards to try and fill the house with presents. New card accounts can shorten your average account time and lower your credit score\u2014not a good idea if you\u2019ll be applying for a home loan.<\/li>\n\n\n\n
  5. Focus on the future<\/strong>
    Don\u2019t empty your savings account or rack up credit card debt just to take advantage of a one-time deal. When it comes time to put down earnest money or pay closing costs, you\u2019ll be thrilled you didn\u2019t spend a fortune over the holidays!<\/li>\n<\/ol>\n\n\n\n
    \n
    \n
    \"8<\/a>\n <\/div>\n
    \n

    8 Credit Score Management Tips<\/h4>\n

    Applying for a mortgage soon? Our 8 Credit Score Management Tips<\/em> could help put you on the path to better rates!<\/p>\n

    Get it now<\/a><\/p>\n <\/div>\n <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

    The holidays are a tempting time to splurge, but if you\u2019re planning on purchasing a home in the near future, keep a close eye on your bills. \u2018Tis the season for holiday spending, but the five tips below will help keep your credit score in great shape.<\/p>\n","protected":false},"author":1,"featured_media":17059,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"ub_ctt_via":"","cybocfi_hide_featured_image":"","footnotes":""},"categories":[4],"tags":[57,150,158],"featured_image_src":"https:\/\/www.richmondamerican.com\/blog\/wp-content\/uploads\/2021\/12\/holiday-credit_BLOG.png","author_info":{"display_name":"rahblogadmin","author_link":"https:\/\/www.richmondamerican.com\/blog\/author\/rahblogadmin\/"},"yoast_head":"\r\nHow to Manage Your Credit Score During the Holiday Season - Richmond American Homes Blog<\/title>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" href=\"https:\/\/www.richmondamerican.com\/blog\/manage-credit-score-during-holidays\/\" \/>\r\n<meta property=\"og:locale\" content=\"en_US\" \/>\r\n<meta property=\"og:type\" content=\"article\" \/>\r\n<meta property=\"og:title\" content=\"How to Manage Your Credit Score During the Holiday Season - Richmond American Homes Blog\" \/>\r\n<meta property=\"og:description\" content=\"The holidays are a tempting time to splurge, but if you\u2019re planning on purchasing a home in the near future, keep a close eye on your bills. \u2018Tis the season for holiday spending, but the five tips below will help keep your credit score in great shape.\" \/>\r\n<meta property=\"og:url\" content=\"https:\/\/www.richmondamerican.com\/blog\/manage-credit-score-during-holidays\/\" \/>\r\n<meta property=\"og:site_name\" content=\"Richmond American Homes Blog\" \/>\r\n<meta property=\"article:published_time\" content=\"2021-12-09T23:47:55+00:00\" \/>\r\n<meta property=\"article:modified_time\" content=\"2025-03-10T15:40:39+00:00\" \/>\r\n<meta property=\"og:image\" content=\"https:\/\/www.richmondamerican.com\/blog\/wp-content\/uploads\/2021\/12\/holiday-credit_BLOG.png\" \/>\r\n\t<meta property=\"og:image:width\" content=\"650\" \/>\r\n\t<meta property=\"og:image:height\" content=\"440\" \/>\r\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\r\n<meta name=\"author\" content=\"rahblogadmin\" \/>\r\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\r\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"rahblogadmin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\r\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.richmondamerican.com\/blog\/manage-credit-score-during-holidays\/\",\"url\":\"https:\/\/www.richmondamerican.com\/blog\/manage-credit-score-during-holidays\/\",\"name\":\"How to Manage Your Credit Score During the Holiday Season - Richmond American Homes Blog\",\"isPartOf\":{\"@id\":\"https:\/\/www.richmondamerican.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.richmondamerican.com\/blog\/manage-credit-score-during-holidays\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.richmondamerican.com\/blog\/manage-credit-score-during-holidays\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.richmondamerican.com\/blog\/wp-content\/uploads\/2021\/12\/holiday-credit_BLOG.png\",\"datePublished\":\"2021-12-09T23:47:55+00:00\",\"dateModified\":\"2025-03-10T15:40:39+00:00\",\"author\":{\"@id\":\"https:\/\/www.richmondamerican.com\/blog\/#\/schema\/person\/ac7090dbdce461390f3592d2191adfd8\"},\"breadcrumb\":{\"@id\":\"https:\/\/www.richmondamerican.com\/blog\/manage-credit-score-during-holidays\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.richmondamerican.com\/blog\/manage-credit-score-during-holidays\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.richmondamerican.com\/blog\/manage-credit-score-during-holidays\/#primaryimage\",\"url\":\"https:\/\/www.richmondamerican.com\/blog\/wp-content\/uploads\/2021\/12\/holiday-credit_BLOG.png\",\"contentUrl\":\"https:\/\/www.richmondamerican.com\/blog\/wp-content\/uploads\/2021\/12\/holiday-credit_BLOG.png\",\"width\":650,\"height\":440,\"caption\":\"Woman holding gift wrapped in holiday wrapping paper\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.richmondamerican.com\/blog\/manage-credit-score-during-holidays\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.richmondamerican.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"How to Manage Your Credit Score During the Holiday Season\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.richmondamerican.com\/blog\/#website\",\"url\":\"https:\/\/www.richmondamerican.com\/blog\/\",\"name\":\"Richmond American Homes Blog\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.richmondamerican.com\/blog\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.richmondamerican.com\/blog\/#\/schema\/person\/ac7090dbdce461390f3592d2191adfd8\",\"name\":\"rahblogadmin\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.richmondamerican.com\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/625196274d1a8f127802d0e43cdb59ba?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/625196274d1a8f127802d0e43cdb59ba?s=96&d=mm&r=g\",\"caption\":\"rahblogadmin\"},\"url\":\"https:\/\/www.richmondamerican.com\/blog\/author\/rahblogadmin\/\"}]}<\/script>\r\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"How to Manage Your Credit Score During the Holiday Season - Richmond American Homes Blog","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.richmondamerican.com\/blog\/manage-credit-score-during-holidays\/","og_locale":"en_US","og_type":"article","og_title":"How to Manage Your Credit Score During the Holiday Season - Richmond American Homes Blog","og_description":"The holidays are a tempting time to splurge, but if you\u2019re planning on purchasing a home in the near future, keep a close eye on your bills. \u2018Tis the season for holiday spending, but the five tips below will help keep your credit score in great shape.","og_url":"https:\/\/www.richmondamerican.com\/blog\/manage-credit-score-during-holidays\/","og_site_name":"Richmond American Homes Blog","article_published_time":"2021-12-09T23:47:55+00:00","article_modified_time":"2025-03-10T15:40:39+00:00","og_image":[{"width":650,"height":440,"url":"https:\/\/www.richmondamerican.com\/blog\/wp-content\/uploads\/2021\/12\/holiday-credit_BLOG.png","type":"image\/png"}],"author":"rahblogadmin","twitter_card":"summary_large_image","twitter_misc":{"Written by":"rahblogadmin","Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.richmondamerican.com\/blog\/manage-credit-score-during-holidays\/","url":"https:\/\/www.richmondamerican.com\/blog\/manage-credit-score-during-holidays\/","name":"How to Manage Your Credit Score During the Holiday Season - Richmond American Homes Blog","isPartOf":{"@id":"https:\/\/www.richmondamerican.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.richmondamerican.com\/blog\/manage-credit-score-during-holidays\/#primaryimage"},"image":{"@id":"https:\/\/www.richmondamerican.com\/blog\/manage-credit-score-during-holidays\/#primaryimage"},"thumbnailUrl":"https:\/\/www.richmondamerican.com\/blog\/wp-content\/uploads\/2021\/12\/holiday-credit_BLOG.png","datePublished":"2021-12-09T23:47:55+00:00","dateModified":"2025-03-10T15:40:39+00:00","author":{"@id":"https:\/\/www.richmondamerican.com\/blog\/#\/schema\/person\/ac7090dbdce461390f3592d2191adfd8"},"breadcrumb":{"@id":"https:\/\/www.richmondamerican.com\/blog\/manage-credit-score-during-holidays\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.richmondamerican.com\/blog\/manage-credit-score-during-holidays\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.richmondamerican.com\/blog\/manage-credit-score-during-holidays\/#primaryimage","url":"https:\/\/www.richmondamerican.com\/blog\/wp-content\/uploads\/2021\/12\/holiday-credit_BLOG.png","contentUrl":"https:\/\/www.richmondamerican.com\/blog\/wp-content\/uploads\/2021\/12\/holiday-credit_BLOG.png","width":650,"height":440,"caption":"Woman holding gift wrapped in holiday wrapping paper"},{"@type":"BreadcrumbList","@id":"https:\/\/www.richmondamerican.com\/blog\/manage-credit-score-during-holidays\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.richmondamerican.com\/blog\/"},{"@type":"ListItem","position":2,"name":"How to Manage Your Credit Score During the Holiday Season"}]},{"@type":"WebSite","@id":"https:\/\/www.richmondamerican.com\/blog\/#website","url":"https:\/\/www.richmondamerican.com\/blog\/","name":"Richmond American Homes Blog","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.richmondamerican.com\/blog\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/www.richmondamerican.com\/blog\/#\/schema\/person\/ac7090dbdce461390f3592d2191adfd8","name":"rahblogadmin","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.richmondamerican.com\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/625196274d1a8f127802d0e43cdb59ba?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/625196274d1a8f127802d0e43cdb59ba?s=96&d=mm&r=g","caption":"rahblogadmin"},"url":"https:\/\/www.richmondamerican.com\/blog\/author\/rahblogadmin\/"}]}},"_links":{"self":[{"href":"https:\/\/www.richmondamerican.com\/blog\/wp-json\/wp\/v2\/posts\/17058"}],"collection":[{"href":"https:\/\/www.richmondamerican.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.richmondamerican.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.richmondamerican.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.richmondamerican.com\/blog\/wp-json\/wp\/v2\/comments?post=17058"}],"version-history":[{"count":2,"href":"https:\/\/www.richmondamerican.com\/blog\/wp-json\/wp\/v2\/posts\/17058\/revisions"}],"predecessor-version":[{"id":28999,"href":"https:\/\/www.richmondamerican.com\/blog\/wp-json\/wp\/v2\/posts\/17058\/revisions\/28999"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.richmondamerican.com\/blog\/wp-json\/wp\/v2\/media\/17059"}],"wp:attachment":[{"href":"https:\/\/www.richmondamerican.com\/blog\/wp-json\/wp\/v2\/media?parent=17058"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.richmondamerican.com\/blog\/wp-json\/wp\/v2\/categories?post=17058"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.richmondamerican.com\/blog\/wp-json\/wp\/v2\/tags?post=17058"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}