Are you thinking about buying a home but want to improve your credit score first? It may not be as hard as you think but sometimes it can be a long-term process. Here are some things you can do that may help:

1. Pay bills on time. Late payments and collections can have a serious impact on your credit score.
2. Do not apply for credit frequently. Having a large number of recent credit inquiries on your credit report can lower your score.
3. Request increases on credit limits and reduce credit card balances. This will lessen your “debt to credit” ratio. Using less of your available credit limit will increase your score.
4. Obtain enough credit to establish a credit history. Insufficient credit can negatively impact your score.

Just remember, a lower credit score will help you receive a lower interest rate on the mortgage for your new home!