: If you have high-interest debt, a debt consolidation loan can simplify payments and potentially lower your DTI, but do this at least 6 months before house hunting. 5. Fast-Track Strategies
: Use the Experian Boost service to add utility, phone, and streaming service payments to your file for an immediate potential increase. how to improve your credit score to buy a house
Improving your score isn't just about the number; it's about your ratio, which lenders use to determine how much house you can afford. : If you have high-interest debt, a debt
: 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 Improving your score isn't just about the number;
: Aim to keep your balances below 30% of your limit on every card. For a card with a $1,500 limit, stay under $450.