: Look for duplicate accounts, incorrect payment statuses, or accounts that don't belong to you.
: If you have past-due accounts, bring them current immediately to stop further damage. 4. Optimize Credit Mix and Age
Lowering your credit utilization is one of the fastest ways to see a score increase.
: Do not open new credit cards or take out auto loans while preparing for a mortgage, as new "hard inquiries" can temporarily lower your score. 3. Payment History Maintenance
: Send a formal dispute letter to the credit bureaus (Equifax, Experian, and TransUnion) and the creditor.
For personalized guidance, consider working with a non-profit credit counseling service to build a structured repayment plan.
Do you have a or a particular mortgage type (like FHA or Conventional) in mind for your home purchase?