: Don't open new credit cards or take out a car loan right before applying for a mortgage. These "hard inquiries" can temporarily lower your score.
Before making any changes, know where you stand. Federal law allows you to get a free report from each of the three major bureaus—Equifax, Experian, and TransUnion—every year at AnnualCreditReport.com. how to improve your credit score to buy a house
: While lenders look at your history, they are most interested in the last 12 months of consistent, on-time behavior. 3. Lower Your Credit Utilization : Don't open new credit cards or take
Your "utilization ratio" is the amount of credit you’re using compared to your total limits. Keeping this low proves you aren't overextended. Federal law allows you to get a free
: Look for accounts you didn't open, incorrect balances, or old late payments that should have fallen off.
: Set up autopay or calendar alerts for every bill.