Dreaming of buying your own home? 🏡 One of the most important steps before house hunting is making sure your credit score is in top shape. A strong credit score can unlock better mortgage rates, save you thousands over the life of your loan, and help you stand out as a serious buyer. If your score needs a little TLC, don’t worry—here are some practical tips to help you boost those numbers.

1. Check Your Credit Report Regularly

Start by getting a free copy of your credit report from each of the major bureaus (Equifax, Experian, and TransUnion). Review them carefully for any errors or unfamiliar accounts. Disputing mistakes could give your score a quick lift!

2. Pay Bills On Time—Every Time

Payment history is the single biggest factor in your credit score. Set up reminders or automatic payments to make sure you never miss a due date. Even one late payment can have a big impact.

3. Tackle Credit Card Balances

Try to keep your credit card balances below 30% of your credit limit. If possible, pay them off in full each month. High balances can signal risk to lenders, even if you pay on time.

4. Avoid Opening New Accounts (Unless Necessary)

Each new credit application can cause a small dip in your score. Hold off on applying for new credit cards or loans while you’re preparing to buy a home.

5. Don’t Close Old Accounts

Your credit history length matters. Even if you no longer use an old credit card, keeping it open can help your score—just be sure there’s no annual fee.

6. Become an Authorized User

If a family member or partner has a strong credit history, ask if you can be added as an authorized user on their credit card. Their positive payment history could give your score a helpful boost.

7. Work With a Professional

If your situation is complicated, consider consulting a credit counselor or mortgage advisor. They can help you create a personalized plan to improve your credit and get you closer to your homeownership dreams.

Remember, improving your credit score is a journey, not a sprint. Every small step you take today brings you closer to holding the keys to your new home!