10/10/2026
Improving your credit score before applying for a mortgage is simpler than most buyers think. ๐ก
1๏ธโฃ Pay down revolving balances below 30 percent utilization
2๏ธโฃ Avoid opening any new credit accounts
3๏ธโฃ Keep existing accounts open even if you are not using them
4๏ธโฃ Dispute any errors on your report before your lender pulls it
A few months of intentional steps can meaningfully move your rate. ๐ก