Even one 30-day late payment can tank your score by 60–110 points. Set up autopay for at least the minimum amount on every account to ensure you never miss a due date.
As you get closer to applying, your credit becomes a "look-but-don't-touch" zone: fixing credit to buy a house
Look for "zombie" debts, incorrect late payments, or accounts that aren't yours. Even one 30-day late payment can tank your