Tag: improving credit

If you’re planning to buy a home, your credit score can impact your mortgage options and interest rate. This page shares three high-impact habits to improve your credit score before applying: start a simple budget you can stick to, get clear on your debts and choose a consistent payoff plan, and monitor your credit reports so you can dispute errors. It also flags common mistakes to avoid right before a mortgage—like opening new credit cards or making large credit purchases that can affect your debt-to-income ratio—and explains why “fast credit repair” promises are usually a red flag. Includes a trusted step-by-step resource from Fannie Mae for deeper guidance.