This is how much of your available credit you’re using. Lenders typically want to see this below 30% . If you have a $10,000 limit, try to keep your balance under $3,000. 3. Deploy "Quick-Win" Strategies If you need a boost within a few months, try these tactics:

Two factors make up 65% of your FICO score. Focus your energy here for the biggest impact:

As you get closer to applying, your credit becomes a "look-but-don't-touch" zone:

Dreaming of a set of keys but stuck with a credit score that says "maybe not yet"? You aren’t alone. Repairing your credit is often the first real step in the home-buying journey. While it isn't an overnight fix, strategic moves today can significantly lower your interest rates and save you tens of thousands of dollars over the life of your mortgage.

Look for "zombie" debts, incorrect late payments, or accounts that aren't yours.

Here is your roadmap to cleaning up your credit and getting mortgage-ready in 2026. 1. Know Your Starting Point

How to Fix Your Credit to Buy a House: Tips, Tools & Strategies