36/ NOVEMBER 2023 THE RIDER Realty With Ruth
Top Tips for getting Top Dollar for your home with Ruth Armstrong a
Multi sales award winner and the top realtor with RE/MAX Real Estate Centre Orangeville
Ruth is always avail-
able for a no obligation con- versation and can be reached at 519 942 6085
Times are tough right FARM EQUIPMENT
now and buying a house can sometimes feel a distant dream. One of the most im- portant and the most over- looked or misunderstood criteria is the importance of a good credit score.
Pay On Time Payment history is the largest part of your score at 35%. So pay your bills on time to keep your score high.
Keep Balances Low Aim to use less than 30% of
Tips for Building Excellent credit your credit limit.
Pay Attention To Your Score Monitor your credit score regularly to know where you stand. If its lower than you thought, consider running your credit report to check for errors.
Be Patient While negative credit is frustrating, it typically ages off your credit report after a few years depending on the situation.
EQUESTRIAN RESORT Horseshoe Ranch
Norfolk County‘s newest horse enthusiast getaway
destination.
Board your horse and stay, to ride our extensive and scenic trails. Visit the nearby beautiful Lake Erie beaches, and award winning wineries and heritage sites.
Open April - October To book your 2023 experience call Connie!
P: (226) 228-3536 • E:
horseshoeovernight@gmail.com 567 Charlotteville Rd 1, St Williams, ON
Website:
www.horseshoeranchovernight.com TRAILER SALES MANURE REMOVAL
Road Apples Removal
Providing Excellent Quality S&S, Dixie Star
Living Quarters, Homesteader Horse Trailers and Alum-Line aluminum Trailers
Zone Rd 10, Bothwell, ON • (519) 777-0783
rmktrailersales@outlook.com •
www.rmktrailers.com
Environmentally Friendly Equine Waste Removal
Roll off Bin Rental, $5 per day
We deliver bins, then pick up and remove your waste in an environmentally friendly way.
Servicing 110 km radius of Lucan, ON. 519-657-5325 for Bob • Email:
roadapplesremoval@bellnet.ca Equine Products
Hepburn Sales Part Store is now offering WeatherTech mats, truck accessories, trailer & RV parts and much more!
Representing Hawk Trailers Canada Wide
With 26 standard models and unlimited "no charge" custom designs.
For up to the minute detailed inventory, pics, prices & payments visit
www.hepburnsales.com • Hwy 9 Schomberg, ON • 905-939-2279
HAY AND MORE
- 100% wool felt - No connection seam to
collect debris
- Contoured comfort – Made to perform
- Designed and created in Ontario (905) 279-6680 /
info@unity-pad.com 2559 Wharton Glen Avenue, Mississauga, ON L4X 2A8
082230 Conc. 4, RR #4, Mount Forest, Ontario N0G 2L0 Email:
merlinrice@yahoo.ca
Hay For Sale! High Quality Hay, Delivered. Large Square Bales • Truckload Lots! SHAVINGS
Shop Smart Do your research before ap- plying for loans or credit cards to avoid unnecessary hard inquiries that may lower your credit score.
Common Credit Miscon- ceptions Closing my unused credit card account will help my score. No, keeping old cards can boost your credit amount and your credit history which may improve your score.
Checking My own Credit Score Lowers It. No, this is a soft inquiry that should not affect you score.
A Debt Will Hurt My
Credit Score. Not all debt is bad. For Ex- ample, paying the mortgage on time can raise your score. Excessive Credit Card Debt however can lower it.
The Perks of “GREAT CREDIT” that you don’t think of! • Easier to buy a home. • Lower interest rate on loans. • Discount on Car insurance. • Secure The Best Credit Cards. • More Options For Renters.
You can order your credit report for free via phone or mail from two major credit bureaus. Ordering online may require a fee. TransUnion Canada
Equifax Canada
Use these websites to check your credit score for free most times • Borrowell • Credit Karma • Mogo
Remember there is
only “one time to make that first impression” when that perfect buyer arrives! So please follow the weekly tips and hopefully you can make that happen. Ruth is always avail-
able for a one on whether you are buying or selling feel free to give her a call at (519) 942- 6085
Advertise Your Farm and Stable Business Here!
Clean softwood shavings
We plant: Blue Spruce, White Spruce, Cedar Windbreaks, and Maple Trees Cell: 519-323-8670
for your horse bedding needs. Bulk pickup, dump load, or 45 yd swap bin service.
Call or email for a personalized quote. Brantford, ON - 519-861-2205 • Email:
dispatch@demco.co
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