<transcript><audio_3>for certain home loans there are many factors that affect your credit score some of the most common are your bill paying history the number of accounts you have and what kind how much of your</transcript><caption><image_4>The image is a pie chart that shows the percentage of credit-length payments in the United States. The chart is divided into six sections, each representing a different type of payment history.

The largest section in the chart is the payment history, which is represented by a pink circle with the words "Payment History" and "Credit Types" written on it. The other three sections are smaller and are colored in shades of pink, purple, green, and orange. The largest section is labeled "New Credit" and has the word "Credit Length" written in green. The smallest section is colored in red, indicating that it is the most important part of the credit history. 

There are also several smaller sections in the pie chart, including "35%", "10%", and "15%". These sections represent the different types of payments that can be used to make a new credit, such as "new credit", "credit length", "amounts owed", or "owned".

At the bottom of the chart, there is a logo for Alcoa Mortgage, a mortgage company.</caption><video><caption><image_5>The image is a screenshot of a form from Alcova Mortgage. The form is divided into two sections. The top section has a header with the company's logo and contact information. Below the header, there is a table with columns for the user's name, address, phone number, and email address. 

The table has a list of fields for entering their name, email address, and phone number. There are also fields for submitting the form, such as "Name", "Address", "Phone Number", and "Email Address". There is also a button at the bottom of the form that says "Submit".

At the top of the page, there are two buttons - "Submit" and "Cancel" - which can be used to submit the form. On the right side of the screen, there appears to be a search bar and a dropdown menu. The background of the image is white, and the text is black.</caption><caption><image_6>The image shows a man in a suit standing in front of a large screen with the words "Excellent" and "Every Good" written on it. The man is holding up a blackboard with his hands and appears to be writing on it with a marker. The background is white and there are several other words scattered around the screen. At the bottom of the image, there is a logo for Alcoa Mortgage, a mortgage company.</caption></video><transcript><audio_7>available credit you are using how long you've had your accounts open your recent credit activity whether you have had a debt referred for collection a foreclosure or bankruptcy and how old these are the good news is that no</transcript><transcript><audio_8>matter what your credit score is you can take immediate steps to begin improving it beyond the obvious of making sure your payments are made on time you can raise your score by paying down loan balances or paying loans off early if</transcript><video><caption><image_9>The image is a graphic design with the word "DEBT" written in red capital letters on a white background. The word is written in a bold, sans-serif font and is slightly tilted to the right. On the right side of the image, there is a green pencil with a pink eraser on top of it. The eraser has a yellow eraser attached to it. At the bottom left corner, there are two logos, one for Alcona Mortgage and the other for the company. The overall design is simple and minimalistic.</caption><caption><image_10>The image is a graphic design with the word "PAID" written in bold, capital letters in the center. The word is written in a dark blue color with a purple outline. Around the word, there are five stars arranged in a circular pattern. The stars are of different sizes and colors, including pink, blue, and green. The background is white, and there is a small logo of Alcoa Mortgage on the bottom right corner. The overall design is simple and minimalistic.</caption></video><caption><image_11>The image shows two young women wearing headsets in a call center. They are both wearing grey blazers and appear to be in a professional setting. The woman on the left has blonde hair and is wearing a headset with a microphone attached to it. She is looking at the other woman with a smile on her face. The background is blurred, but it appears to be a room with a window and a door. The image also has the logo of Alcoa Mortgage, a mortgage company, on the bottom right corner.</caption><transcript><audio_12>you have questions about your credit score and profile enter in the market for a home loan we will be glad to give you a credit review and absolutely no cost or obligation just reach out to us</transcript><transcript><audio_13>and 18 55 go alcova or visit us at</transcript><caption><image_14>The image is a black background with white text that reads "855-GOALCOVA.COM". The text is in a modern sans-serif font and is centered on the image. Below the text, there is a website URL "www.GOALCOVA.COM" in a smaller font size. The logo of Alcona Mortgage is also visible in the bottom right corner of the image, which is a blue circle with the company's name in white letters.</caption> for certain home loans there are many factors that affect your credit score some of the most common are your bill paying history the number of accounts you have and what kind how much of your available credit you are using how long you've had your accounts open your recent credit activity whether you have had a debt referred for collection a foreclosure or bankruptcy and how old these are the good news is that no matter what your credit score is you can take immediate steps to begin improving it beyond the obvious of making sure your payments are made on time you can raise your score by paying down loan balances or paying loans off early if you have questions about your credit score and profile enter in the market for a home loan we will be glad to give you a credit review and absolutely no cost or obligation just reach out to us and 18 55 go alcova or visit us at
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