How to Build my Credit to Buy a House?

Pay bills on time, reduce credit card balances, avoid new debt, and check your credit report for errors. Even small improvements can raise your score enough to qualify for better loan programs.

I usually advise my clients to talk with a local lender. Most lenders will be able to pull your credit and see what areas you need to work on. The main areas are establishing credit, using your credit at about 25% of what is available for you to use, and not having too any different lines of credit.

Hi Melissa! I agree with the first response. Get with a local lender, my preferred lender works with clients on improving credit & how to go about it to get approved quickly. A few simple tips are always pay your credit card payments on time, the bigger the payments the better! Also if you are looking to buy in the near future definitely start saving up as much money as you can each month.