Do's

• Do pay all bills on time each month including your current mortgage if you have one.

• Do try to keep your credit card balances below 30% of the credit card's limit.

• Do let us know about any changes to your employment, income, or assets.

Don'ts

• Don't be a "shredder". Be a "saver" of all pay stubs and bank statements.

• Don't make cash deposits to your bank account.

• Don't open or close any credit accounts.

• Don't make any major purchases.

• Don't change the source of your closing funds.