To Buy A House | Building Credit

: Request a credit limit increase on existing cards to lower your utilization ratio instantly—just don’t spend the extra room.

Building credit is a marathon, not a sprint, especially when a house is the finish line. Aim for a score of at least for conventional loans, though higher scores (740+) unlock significantly better interest rates. 1. Master Your Payment History building credit to buy a house

: Get a free report and dispute any inaccuracies—like late payments you actually made—to see a quick boost. 2. Manage Your Debt-to-Credit Ratio : Request a credit limit increase on existing