How To Fix Your Credit Score To Buy A House May 2026

Aim to keep your balances below 30% of your limit on every card; dropping below 10% provides the best boost.

No official government minimum, but many lenders set their own "overlay" at 580–620 . 2. Identify and Dispute Errors Immediately how to fix your credit score to buy a house

If a family member has a long-standing card with a perfect history and low balance, ask to be added as an authorized user to "piggyback" on their good credit. Helpful Perspectives Aim to keep your balances below 30% of