How to Improve Your Credit
Improving your credit does not happen overnight, but small steps can make a difference over time. Understanding your habits is often more important than chasing a perfect score.
Start With Awareness
Reviewing your credit report helps you understand what lenders see. Knowing where you stand makes it easier to focus on what matters most.
In some cases, lenders may use credit simulation tools after reviewing your credit report. These tools can help estimate how certain actions, such as paying down balances or closing accounts, might affect a credit score.
These simulations are not guarantees and results can vary, but they can sometimes help guide timing and next steps.
Consistency Matters
Making on time payments and keeping balances manageable are two habits that strongly support healthy credit. Improvement often comes from steady behavior rather than quick fixes.
Give Yourself Time
Credit changes gradually. Planning ahead gives your credit time to reflect positive habits before applying for a mortgage.
What Comes Next
Explore related guides in the Learn Hub or try the Home Readiness Check™ to see how prepared you are for buying a home.