7 Steps to Improve Your Credit Before Applying for a Mortgage
Read it right here — or save the page as a PDF from your browser. No download form, no email required.
1. Pull all three bureau reports
Order your free reports at AnnualCreditReport.com. Mortgage lenders use a merged report with the middle FICO — all three matter.
2. Read every account line by line
Late payments in the last 24 months, collections, high utilization, unfamiliar accounts, and duplicate information all need attention.
3. Reduce revolving utilization
Aim for statement balances under 30% of the limit — ideally under 10% — on every card, not just in aggregate.
4. Dispute anything inaccurate or unverifiable
Under the FCRA you have the right to dispute inaccurate, incomplete, or outdated items. Document your grounds.
5. Avoid new credit for 6 months before applying
New tradelines lower average account age and add hard inquiries — both hurt in the months before underwriting.
6. Keep every current account paid on time
Payment history is the single largest input to a credit score. Autopay the minimums as a safety net.
7. Document every unusual bank deposit
Underwriters will ask about any large or irregular deposits. Keep a paper trail for every non-payroll credit.
Want a personalized version for your file?
This guide is a general starting point. A free consultation is where the specifics happen — we'll review your actual report and build a sequenced plan around your target application date.