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  • Writer's pictureCK Realtor

How to Improve Your Credit

Updated: Feb 28, 2023

Credit scores play a big role in purchasing real estate for many people. Your credit score will be part of determining whether you’ll qualify for a loan and what your loan terms will be. So, keep your credit score high by doing the following:

person behind touching a screen with a circuit image and the words fix your credit

Check for errors in your credit report.

Thanks to an act of Congress, you can download one free credit report each year at If you find any errors, correct them immediately.

Pay down credit card bills.

Don’t charge your credit cards to the max.

Wait 12 months after credit difficulties to apply for a mortgage.

Don’t order items for your new home on credit.

Don’t open new credit card accounts.

Shop for mortgage rates all at once.

Avoid finance companies.

REALTOR® Magazine l

Copyright 2015. All rights reserved.

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