Murray, Utah - Jay Deher with Real Estate Essentials sits down with Darin Rhodes to discuss credit and how important it is when getting a mortgage loan. Darin tells talks about his rules of T.L.C....First is T which stands for Time, take time to pay and track your bills, even if its just a small purchase on your credit card, keep track. Next is L which stands for Low, you want to keep low balances on your credit cards. The less balance you have, the better credit score you can possibly get. The next is C, this stands for Collections, do whatever you can to make sure you dont get sent to collections. Collections can stay with your credit score for a long time, even if you have paid it off. If you take advantage of Darin's tips, it could really boost your credit score.