How To Improve Your Credit Score
Before you purchase a home, you will want to know your credit score. Your credit score can impact the type of loan you can get. If your credit score is not as good as it can be, it can negatively impact your interest rate. By finding out your score before you buy, you can take some steps to improve your credit score and improve your chances of obtaining a great loan at a great interest rate.
Once you have a copy of your credit report, review the steps below to get started on repairing your credit and improving your score

The most important thing you can do to improve your credit is to pay your bills on time.
Paying balances on your credit cards down can provide a quick boost.
Keep existing accounts that have zero balances open versus closing them.
Use all of your cards a little, instead of some of them a lot.
Make sure that you have a positive feedback providing credit card company.
Pay off collections and judgments.
Monitor your credit during the repair process, this way you can track your progress and see immediate reward in your efforts.
You do not have to carry a balance on your credit card to have good scores.
Seek credit counseling, not debt consolidation.
Read our understanding credit page to get a better understanding of how credit works.