If you’re working to increase your credit score to get a mortgage in the future, consider these tips:
Check your credit report – The credit bureaus don’t have perfect data, and errors can creep in. You can obtain a free copy of your credit report from all three major credit bureaus here. Look over each of the reports and call the bureaus if you see an error.
Pay your bills on time – No more late payments! Set up alerts or autopay when upcoming payments are due to make sure you pay on time, every time.
Limit credit inquiries – Keep the number of credit card, auto loan, and mortgage applications to a minimum to avoid unwanted changes to your credit score.
Don’t overuse your credit cards – Using a large percentage of your available balance raises red flags for your credit score. Be sure to make your payments on time, and ideally, pay more than your minimum balance due.