Any you're facing (e.g., collections, high balances)
Next, you must address your "credit utilization ratio," which is the amount of revolving credit you are using compared to your total limits. Lenders prefer to see this ratio below 30%, though staying under 10% is ideal for a high score. To improve this, prioritize paying down high-interest credit card balances. Avoid closing old accounts during this process, even if they have a zero balance, as the length of your credit history and your total available credit both contribute positively to your score. how to clean up credit to buy a house
Your for buying (e.g., 6 months vs. 2 years) Any you're facing (e