How to Fix My Credit to Buy a House

Let’s dive into what your credit will need to look like in order to qualify for a mortgage and what you can do to raise your score to make it more appealing to lenders. 

The average score for most states tends to lie in the upper 600 range. If you fall below these scores, there are actions you can take to improve your credit rating. 

What Credit Score Do I Need to Buy a House?

Here are six ways to improve your credit score to make you a better candidate for your chosen mortgage options. 

6 Ways to Improve Your Credit Score

What you can do, however, is start over now and make a more conscious effort to stay on top of your bills to improve your credit report moving forward. 

Improve Your Payment History

One reason it’s so easy to get into credit card debt is because of the hefty late fees and high-interest rates that credit card companies place on late payments. 

Pay Off Credit Card Debt

You need to immediately dispute these errors on your credit file to a credit reporting agency.

Dispute Any Errors on Your Credit Report

If you can’t immediately pay off the item that you’re using your credit card for, don’t use it to pay for that item. 

Avoid Making Purchases on Credit

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