Introduction
Your credit score is a three-digit number that can make or break your mortgage application. It affects whether you qualify, what interest rate you receive, and how much you’ll pay over the life of your loan.
The good news: credit scores can be improved with consistent effort and the right strategies.
1. Check Your Credit Report
Start by pulling your free credit reports from all three bureaus (Equifax, Experian, TransUnion) at AnnualCreditReport.com. Review each report for errors, outdated information, or fraudulent accounts.
Dispute any inaccuracies you find — correcting errors can boost your score quickly.
2. Build Good Habits
Pay every bill on time, keep credit card balances below 30% of your limits, and avoid opening new credit accounts in the months leading up to your mortgage application.
If you have thin credit, consider a secured credit card or becoming an authorized user on a family member’s account to build history.
Next Steps
Not sure where your credit stands? US Home Portal can help you understand your credit profile and create a plan to get mortgage-ready.
