Don’t Let the Holidays Ruin Your Credit Score: 5 Tips for Success!




Keeping up with your credit score during the holiday season?! Let’s face it, the holidays are upon us, and they may affect your credit score!

One’s credit score could take a hit during the holidays in a number of ways. You may see a less than festive dip from overcharging and not paying your credit card bills in a timely manner or by being the victim of credit fraud.

Your credit score can follow you almost like a criminal record, and it can make big, important purchases — like houses or cars — much more difficult than they should be. In order to keep your holidays merry, here are five tips to protect your credit score this holiday season:

Check it. Many Americans haven’t even checked their credit scores, which is alarming at any time of the year. Knowing your credit score can help you gauge many of your spending habits. Make sure you know what your score is before you dive into the season of spending.

Pay off all your bills. One of the crucial factors affecting your credit score is how timely your payments are and if you make them. Make sure that your prior bills are all paid off before you rack up even more this holiday season.

Think twice before signing up for a new card. It may be tempting, especially with all the instant savings that retailers will offer you, but consider all your other options. Signing up for a new credit card not only means a slight dip in your credit score, but do you really need a new line of credit to worry about paying off in the new year?

Keep up the good habits. While you may have plans to leave town or be more social during the holidays, make sure that your priorities are still in check. You should still try to save when you can, pay your bills on time, and, if you have them, don’t forget about those student loans, either.

Sign up for credit card fraud alerts. Make sure you sign up for credit card fraud alerts. This not only can help you detect credit card fraud right away, but you could also prevent identity theft. You should still protect yourself the best you can from those looking to prey on the increased number of shoppers in stores. But, sometimes theft happens, and you can at least remedy a fraud situation quicker by having these alerts.

Last but not least, happy holidays! Just remember to be careful.


About the Author

Greg DiGiorgio is a highly reviewed Arlington MA Realtor who is a dedicated, passionate, and market-savvy professional who puts his clients’ satisfaction before all else. His attention to detail, superior people skills, broad knowledge of the real estate industry as a whole, and his pure determination to indulge his clients with first class service sets him apart. In addition to Greg being an Accredited Buyers Representative-ABR, he understands the power of creative, well-organized and highly effective marketing and offers customized marketing plans that maximize property exposure to the most qualified buyers. He has appeared several times on Fox 25 News where he was interviewed on current market trends and conditions. A real estate transaction is really about managing people, their desires and their finances. It is an intricate and consequential negotiation.

Greg understands that it is important to secure not only the most able buyer, but also to the one that is most likely to close the deal. When so much is at stake, Greg is the one you want to represent you. His fair yet aggressive negotiating style and protectiveness of his clients’ best interests and ultimately, their assets, has gained his respect with colleagues and clients alike.

Greg also knows that every transaction represents the most important purchase or sale a person can make, and he takes every precaution to ensure that communication is impeccable with all parties involved from beginning to end. Whether it’s patiently guiding first time buyers through this exciting process or following through with clients’ needs long after the transaction is over, Greg’s warm, caring yet efficient business style will turn you into a client for life.


Greg grew up in the Greater Boston area and has a deep appreciation for the North East way of life. He attended The University of Massachusetts at Dartmouth where he graduated with a Bachelor of Science degree in Marketing, with a concentration in Marketing Research. Greg’s professional background is rooted in the technology sales & marketing. As a result, he learned to adapt to many different people and situations quickly and competitively. The insight that he has gained from many years of involvement in bringing all components of a transaction together smoothly has granted him a unique perspective and approach to the real estate industry. His enthusiasm and tenacity has allowed him to emerge as one of Greater Boston’s finest Realtors, and one of the highest reviewed amongst Arlington MA Realtors!

My Goal

My goal is to provide the best experience possible to my clients while helping them achieve their real estate goals. My streamline systems and use of technology ensure a smooth ride along the way. Whether it’s a first-time buyer, a seller, or investor, I strive to gain lifelong clients and friends by providing them with a fun, relaxing, but yet educational experience throughout the entire process.

Objectives for my Buyer Clients

Counsel session to determine wants & needsSchedule times to view properties

Run comparable analysis report for subject property

Help negotiate terms of the offer

Provided options for home inspectors

Help negotiate & finalize terms of Purchase & Sale Agreement

Assist in finalizing finances with Mortgage Broker

Handle any other paperwork and/or tasks including meeting mortgage commitment deadlines to making sure the transaction closes on time.

I keep an open door policy with all my clients even after the sale should they have any questions, or need help with any of their real estate needs. The closing of a real estate transaction is not the end, but just the beginning of a relationship.

Objectives for my Seller Clients

Listen carefully to make sure your goals and objectives are clearly understood

Explain the home selling process thoroughly

Discuss agency relationship

Price your home accurately

Stage your home for sale

Plan & implement a proven & innovative marketing plan

Work diligently to sell your home quickly and efficiently

Follow up with open house leads & showing brokers to obtain feedback

Work hard to ensure that each step of the transaction is running smoothly

To ensure that all smoke & carbon monoxide detectors are installed and working correctly, and to obtain certificate from town/city

To obtain final payoff for city/town water bill

“Most Importantly to communicate with you consistently and efficiently throughout the entire home selling process”

Certifications and Recognitions

Winner of Leading Edge Real Estate’s Outstanding Creative Marketing Award. Certified Residential Specialist (CRS)

Accredited Buyers Representative (ABR)

Member of the Institute of Luxury Home Marketing (ILHM)

Licensed Massachusetts Real Estate Broker

Member of Greater Boston Real Estate Board (GBREB)

Member of National Association of REALTORS (NAR)

Zoning & Building Codes Certificate

Residential New Construction Certificate

Title V Certificate