Learning Center · Updated 2025-01-15
How to Improve Your Credit Score Before Buying a Home
Practical, lender-approved steps to lift your FICO before you apply.
TL;DR
The fastest moves: pay down revolving balances below 30% utilization, don't open new accounts, and dispute any errors.
Lower your utilization
Credit utilization is one of the fastest-moving FICO inputs.
Don't open new credit
New accounts and inquiries can drop your score 5, 15 points.
Pay everything on time
Payment history is the single biggest FICO factor.
Rapid rescore
David can run a rapid rescore through the lender's bureau to capture quick improvements.
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Frequently asked questions
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