Clean Up Your Credit: A Step-by-Step Guide to Homeownership Achieving the dream of homeownership often starts long before you visit an open house—it starts with your credit score. Lenders use this number to determine your "mortgage-readiness," directly impacting your interest rates and loan options. Whether you're planning to buy in three months or two years, cleaning up your credit is a critical first step. 1. Audit Your Credit Reports
The foundation of a "clean" credit profile is accuracy. You can obtain a free credit report weekly from each major bureau— Equifax , Experian , and TransUnion—via AnnualCreditReport.com. How To Improve Your Credit Score For A Mortgage | Bankrate how to clean up credit to buy a home
