Check for late payments or debts that aren't actually yours.
Remember, if you miss a payment, their credit takes the hit too. Keep it professional. 📉 Fix the "Quick Wins" on Your Report how can i buy a home with bad credit
If your credit cards are maxed out, your "utilization" is killing your score. Pay them down below 30% to see a quick jump. Check for late payments or debts that aren't actually yours
If you have a trusted family member with great credit, they can co-sign the mortgage with you. if you miss a payment
Cash talks. If your credit score is low, a lender sees you as a "high risk." You can offset that risk by putting more skin in the game.