Do you know what your credit score is? If you plan to buy a home in the near future, you’ll want to find out right away. If your score isn’t high enough, you’ll need to increase it or you might not even be eligible to get a mortgage.
The average credit score forpeople in their 20s is 65230岁人的平均分数为671.那些在“公平”范围内。Young people definitely havesome room for improvement when it comes to their credit scores.
If you want to buy a house, keep reading. This article will give you some tips on how to build your credit to buy a house sooner rather than later.
How to Built Your Credit to Buy a House: Start Here
If you know you want to buy a house, the best thing to do is start saving young, building credit, and making sure your credit score stays strong. Of course, this is sometimes easier said than done.
1.获取您的信用报告和得分
The first thing you need to do is request your credit report and get your credit score. You can get a free one each year from the three major credit bureaus. You should thoroughly review your credit report and make sure everything is accurate.
Your credit report does not include your credit score, though, so you may have to pay for that. A lot of credit cards or other lenders provide this to their current customers, though, so you might be able to get it free if you have an account with a company who does this.
2. Dispute Any Errors
如果您在信用报告中发现任何错误，则需要进行提交争执写信给信用局，了解信息不正确。然后，您还应该向贷方或公司发送一封信，报告错误信息。
You absolutely must do all of this in writing. Once you submit a dispute, the credit bureau has to investigate, usually within 30 days. You’ll also need to include documents supporting your dispute as well. Send copies, not originals.
3.。Pay Off Delinquent Accounts
Your credit report will also indicate whether you have any delinquent accounts. If you have any accounts that have late payments, charge-offs, or accounts in collections, you should pay them off before applying for a mortgage. If you don’t, mortgage lenders will view you as a risky borrower who doesn’t pay their debts.
4.按时支付所有账单
您需要建立一致的准时付款。您可以基本上“埋葬”违法的账户（只要您支付他们的支付），每个月都按时支付的账户。拖欠帐户的旧帐户是，您的信用申请将越好。
It’s wise to wait a few months to apply for a mortgage once you get all of your accounts current. This demonstrates to lenders that you are currently a responsible borrower.
5.减少你欠的东西
A big part of your credit score is the amount of debt you have. Revolving debts, such as on credit cards, hurts you more than installment loans (car payments, for example).
像您使用不到30％的可用信用的贷款人。例如，如果您在可用信用中有10,000美元，则应将债务限制在不到3,000美元中以获得最佳的信用利用率。
偿还债务是提高您的信用评分的最紧迫方法之一，并证明自己是一个有价值的借款人。
6.多样化您的信用账户
Lenders like to see a good mix of revolving and installment account. If you have all credit card accounts, that could伤害您的信用评分。
It is possible to get a credit card even if you have poor credit. Even if you get one with a small limit, making a purchase and paying it off month after month will work in your favor.Bad credit credit cards实际上可以帮助你。
随着您花费更多可用的信用或支付关闭，循环贷款可以随时间变化。分期付款贷款，如学生贷款或汽车贷款，用于固定一段时间，您通常每月进行相同的付款。
7.不要打开新帐户或在信用卡上放置很多
When you get closer to applying for a mortgage, you should limit the number of new accounts you open. It might be tempting to open a new credit account to buy new furniture or run up your credit card balance at a home improvement or home decor store to decorate your new house, but avoid doing this.
Lenders want to see a stable credit history and they don’t want to see that you’ve recently opened a bunch of new accounts. It’s best to wait until after you close on your home to open any new accounts for furniture or home decor.
Avoid making any big financial changes while you’re preparing for a mortgage application.
8.。Keep Older Accounts Open
In addition to avoiding new accounts,保持旧的开放。If you close old accounts, even if you don’t really use them, you reduce your available credit, which increases your credit utilization ratio.
保持较旧的账户打开，每隔几个月，每次收取少量并立即支付。这将确保帐户不受卡发行人关闭的，以便不使用，并对您的信用概况积极工作。
9.给自己的时间
要记住的最重要的事情之一是您的信用评分的变化不会发生过夜。您可能必须调整您的时间表，以便从过去的信用错误中购买房屋以恢复。
The Bottom Line
通过一致的努力工作，可以建立您的信誉，被认为是一个有价值的贷方。好消息是您可以立即开始进行小的更改以改善您的分数和信用概况。
Use these tips for how to build credit to buy a house and when it comes time to apply for a mortgage, check out the mostcompetitive current mortgage rates on our site. Then, you can apply for an即时在线速率报价and get all of your questions about mortgage answered.
