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Mortgage Answers / Credit & Income
How Can I Raise My Credit Score to Buy a House?
A static educational action plan. Read the case that fits your question.
Start here
The Short Answer
Start with your reports, current payments and card balances. Correct genuine mistakes, protect on-time payments and choose an affordable next step. Your lender may use a different score from an app. No checklist can promise a score increase or mortgage approval.
My card balances are high
Build a paydown plan you can keep.
1. Keep required payments current.
2. Compare card balances with their limits.
3. Choose a payment that leaves money for essentials and homebuying costs.
Something on my report looks wrong
Check the facts before you dispute.
1. Review the same item on each report.
2. Gather records showing the actual error.
3. Send a clear dispute and tell your mortgage lender about any open dispute.
I have missed payments
Prevent the next missed payment first.
1. Contact the creditor about available payment options.
2. Set a reminder or affordable automatic payment.
3. Review a realistic mortgage-readiness plan after the account status is clear.
Frequently Asked Questions
Will this give me a certain score?
No. Reports, scoring models and your starting history differ.
Is my app score the mortgage score?
Not necessarily. Ask the lender which score model and report information it uses.