? Wondering about improving your credit score when considering a home purchase? Since theres a ton of interest to be paid over the life of a mortgage, youll want to qualify for the lowest rate possible. If your credit score needs work, here are a few steps you can take to get your score movin up!

? Pay down your balances and keep them low. The highest credit scores go to folks who are using about 7% of their credit. Ideally, your utilization should be around 30%. Make payments toward your balance throughout the month and always pay above the minimum amount due.

? Increase your credit limits. Asking for an increase in limits is a fast way to reduce your credit utilization ratio! Check with your credit cards to see if theyll offer an increase on your current accounts.

? Dont request new lines of credit. Hard pulls on your credit account for new cards or loans can make your score plummet temporarily. Dont open new accounts before applying for a mortgage.

? Check for inaccuracies. Request and review copies of your credit reports from Experian, TransUnion, and Equifax. Check for any inaccuracies reported and request that they be removed from your credit report.

What tips do you have for improving your credit score?


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