Your "utilization ratio" is the amount of credit you’re using compared to your total limits. Keeping this low proves you aren't overextended.
: The "age" of your credit history matters. Closing an old, unused card can actually lower your score by shortening your history and reducing your total available credit. how to improve your credit score to buy a house
: Aim to keep your balances below 30% of your limit on every card. For a card with a $1,500 limit, stay under $450. Your "utilization ratio" is the amount of credit
: If you have high-interest debt, a debt consolidation loan can simplify payments and potentially lower your DTI, but do this at least 6 months before house hunting. 5. Fast-Track Strategies how to improve your credit score to buy a house
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