Credit repair
Prepare Your Credit Before Buying
If you plan to finance a home, understanding your credit profile early can give you time to correct errors and discuss your options with a lender. Different loan programs and lenders use different eligibility criteria; no single score guarantees approval.
Useful First Steps
- Review your credit reports for information that may be inaccurate.
- Make payments on time and talk with a qualified adviser or lender before making major changes to open accounts.
- Understand how balances and available credit may affect a lender’s assessment.
- Compare mortgage offers using the full loan terms, not only an advertised rate.
Carrying a credit card balance from month to month is not necessary to build credit and may result in interest charges. If you find an error, use the credit bureau’s dispute process or seek help from a qualified professional.
We can discuss your real estate plans and, where appropriate, connect you with qualified credit professionals. No credit-score improvement or loan approval can be guaranteed.
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