A lower credit score doesn't mean homeownership is out of reach. Here's how to improve your score and become mortgage-ready.
Many of our happiest homeowners started exactly where you are now. Credit scores can improve faster than you think — sometimes in just a few months of focused effort. We're here to help you every step of the way.
Get free copies from AnnualCreditReport.com. Look for errors, old collections, or accounts that aren't yours. Dispute any inaccuracies — this alone can boost your score.
Get Free Credit ReportsFocus on credit card balances first — aim to keep utilization below 30%, ideally under 10%. Paying down debt improves your debt-to-income ratio and credit utilization, both key mortgage factors.
Payment history is the biggest factor in your score. Set up automatic payments for at least the minimum due on all accounts. Even one late payment can significantly impact your score.
If a family member has good credit, ask to be added as an authorized user on their oldest credit card. Their positive payment history can help boost your score.
If you can't get traditional credit, a secured card (backed by a deposit) can help build credit history. Use it sparingly and pay off the balance monthly.
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