The fastest way to raise your credit score specifically with the goal of buying a house is by focusing on two key areas: payment history and credit utilization ratio. Payment history accounts for about 35% of your FICO credit score, so consistently making on-time payments is essential to improve your score quickly. Additionally, lowering your overall debt and maintaining low balances on revolving accounts will help reduce your credit utilization ratio, which accounts for around 30% of your FICO score calculation. These two factors can have a significant impact on improving your credit score relatively quickly when combined with responsible financial habits such as avoiding new debts and regularly reviewing your credit report for errors or discrepancies that could be affecting your score negatively.