A low credit score can feel like a door that's locked for good. It isn't. Your score is a snapshot of how you're handling credit right now, and it can change.
A few things that can help it move:
- Pay every bill on time. Payment history is one of the biggest parts of your score.
- Keep credit card balances low compared to your limits.
- Check your credit reports for mistakes and dispute anything that's wrong. You can get your reports free every week at AnnualCreditReport.com, and checking your own credit does not lower your score.
Your small step
Pull your free credit reports this week and look them over line by line. Write down anything you don't recognize.
Want help with your next step? Summerrain Realty Group walks first-time buyers through every step in plain language. Request a free consultation or call 585-364-4663.
General education only, not legal, tax or lending advice. Program rules vary; ask your lender, attorney or program office about your situation.