: Check your free annual credit reports for inaccuracies.

: Consider using tools that report your on-time rent and utility payments to the bureaus to build additional positive history. To give you more tailored advice, could you share: What price range are you looking at? Do you have a specific loan type (like VA or FHA) in mind? Are you a first-time buyer ?

: A 760+ score can result in monthly payments hundreds of dollars lower than those offered to "fair" credit borrowers.

If you aren't at 760 yet, you can still qualify for homeownership through various programs:

AI responses may include mistakes. For financial advice, consult a professional. Learn more What Credit Score Do I Need to Buy a House? - Experian

: The most accessible option, allowing scores as low as 580 with a 3.5% down payment. You may even qualify with a 500 score if you can provide a 10% down payment.