Five practical steps that can move your score up by 30–80 points in a few months.
Pay every bill on time. Payment history is roughly 35% of your score.
Keep credit card balances under 30% of the limit—under 10% is even better.
Don't close old credit cards. Length of credit history matters.
Avoid applying for new credit in the 90 days before your mortgage application.
Check your credit report for errors. Disputing an incorrect collection can lift your score quickly.
Have questions about your mortgage?
Talk to an Altafina Capital advisor about the options that fit your situation.
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