Improving Your Credit Score

Credit scores are a very important part of purchasing a home. They will play a large role in the determination of qualifying for a loan. It is important to know your credit score and to work on keeping it high. Below are a few ways to improve your credit score and keep it high.



  1. Pay your credit card bills down. If you are able, pay off the whole balance every month.
  2. Avoid charging your credit cards to the max amount. Once again, pay off as much as you can each month.
  3. If you’ve had credit difficulties, wait 12 months to apply for a mortgage. After a year’s time, you’re penalized less severely.
  4. If you need appliances and furniture for your new home, do not order them on credit. Ordering these items on credit will add to your debt.













If you want more information on this topic, visit How to Improve Your Credit  from REALTOR® Magazine, the Official Magazine of the National Association of REALTORS®. This handout explains each question more in-depth, and it features other questions to ask that are not mentioned above. 


REALTOR® Magazine. How to improve your credit. NATIONAL ASSOCIATION of REALTORS® Official Magazine. Retrieved from