Fixing Credit To Buy A House < Verified ✔ >

You can’t fix what you can't see. Start by pulling your free credit reports from .

As you get closer to applying, your credit becomes a "look-but-don't-touch" zone:

Ask your current card issuers to raise your limit. If your spending stays the same, your utilization ratio drops instantly—just ensure they can do this without a "hard inquiry".

Two factors make up 65% of your FICO score. Focus your energy here for the biggest impact:

Look for "zombie" debts, incorrect late payments, or accounts that aren't yours.