Establishing Good Credit

Original Article By Ideal Credit

What are the best options for consumers to establish positive credit? Transactions and payment activity make up a third of the data used to calculate a person’s credit scores. Typically, the bureaus prefer to see a variety of installment and revolving accounts to have a solid credit history. The following are some options clients have available to build positive credit.

Secured Credit Card
▪ Secured credit cards are specifically designed for clients with no previous or current history as well as consumers with low scores caused by negative items present on their credit report. Unlike prepaid or debit cards, all transactions will be reported to the major credit bureaus on a monthly basis.

Authorized User / Joint Account Member
▪ Clients with the luxury of having a family member or friend with good credit that is willing to help, can be added as an authorized user / joint account member which can potentially add years worth of payment and transaction history to their credit reports.

Reactivating Installments / Lines Of Credit
▪ Installments such as student loans that are currently in forbearance or deferment can be reactivated to gain previous history already established on their credit report.There may also be lines of credit that have not been used in a while that can be reactivated by doing a small purchase.

Payment History

Managing positive tradelines correctly can have a significant impact in improving your client’s credit scores; however, every situation is unique and what works for one client may not work for the next.

Please do not hesitate to contact us if you, your friends or family members have any questions or need further details. We are here to help!

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As we settle into spring 2025, Denver’s real estate market is revealing some critical shifts. Whether you’re buying your first home or preparing to sell a property you’ve outgrown, understanding the market’s current temperature—especially through the lens of months-of-supply—can help you move with clarity and confidence.

📊 What Is Months-of-Supply?

Months-of-supply tells us how many months it would take to sell all current homes on the market at today’s pace, assuming no new listings come in. It’s one of the best ways to gauge whether buyers or sellers have the upper hand:

0–4 months: Seller’s market
4–6 months: Balanced market
6+ months: Buyer’s market

📍 What’s Happening in Denver?

Denver currently has a 3.1-month supply, nudging close to a balanced market. While still favoring sellers slightly, inventory is rising fast—up 11.2% year-over-year and a striking 70.6% above 2019 levels. New listings also rose by 18.1% over the past year, though still slightly below pre-pandemic levels.

Now here’s a key point: closed sales in April 2025 were down 3.2% from last year. Fewer completed transactions suggest that buyer activity is cooling even as more homes hit the market. This shift reflects growing caution among buyers, likely tied to higher mortgage rates and affordability pressures.

In simple terms: we’re seeing more homes for sale, fewer homes being sold, and slightly longer time on market. This is a clear signal that the market is transitioning—and that timing, strategy, and pricing are more important than ever.

🏙️ Comparing Other Cities

Miami Area – 7.8 months of supply

Buyer’s market with inventory up 37.5%, but closed sales flat. Homes are sitting.

Austin, TX – 5.4 months

Moving toward balance. Listings up 19.7%, but also seeing a slowdown in closed deals.

Phoenix, AZ – 3.6 months

Still seller-friendly, but inventory has surged 54.6%. Like Denver, the pace is slowing.

In comparison, Denver’s sharp inventory rise paired with declining closings indicates one thing: competition is heating up—especially for sellers.

🤝 Buyers: Opportunity Is Knocking

More Inventory = More Choice
Stronger Negotiation Power: Fewer bidding wars, more room to talk terms.
Act Smart, Not Fast: It’s not about “the deal”—it’s about the right deal.

💼 Sellers: Stay Strategic

Price It Right: With fewer sales happening, homes that are overpriced are sitting.
Presentation Wins: You’ll stand out when your home is clean, staged, and easy to show.
Act Now While It’s Still a Seller’s Market: We’re on the edge—waiting could cost you.

📲 Let’s Talk—No Pressure

Whether you’re dreaming of a new home or prepping to sell, let’s have a free, no-obligation conversation to map out your next move.
📞 Text/call me directly at 720-724-8187
📅 Or grab a time that works for you: Book Here

You’ll get real insight, no pressure—just a smart path forward based on your goals.

REFERENCES

Calculated Risk Blog – Local market data including months-of-supply and inventory levels: https://calculatedrisk.substack.com
DMAR (Denver Metro Association of Realtors) – Denver-area housing trends: https://www.dmarealtors.com
REcolorado – Active inventory and market statistics for the Denver region: https://www.recolorado.com
National Association of Realtors (NAR) – Definitions for key housing metrics: https://www.nar.realtor
U.S. Census Bureau – National housing and moving trend data: https://www.census.gov

Credit Help (Ayuda Con Crédito)

📊 What Is Months-of-Supply?

📍 What’s Happening in Denver?

🏙️ Comparing Other Cities

Miami Area – 7.8 months of supply

Austin, TX – 5.4 months

Phoenix, AZ – 3.6 months

🤝 Buyers: Opportunity Is Knocking

💼 Sellers: Stay Strategic

📲 Let’s Talk—No Pressure

Let’s talk about your dreams!

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Rogelio Rodriguez, Associate Broker

Brokered by eXp Realty, LLC

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