How To Fix Your Credit Score To Buy A House Apr 2026

The most accessible option, requiring only 580 for a 3.5% down payment, or 500 with a 10% down payment. USDA Loans: Usually require a 640 for automated approval.

Download free weekly reports from all three major bureaus (Equifax, Experian, and TransUnion) via AnnualCreditReport.com . how to fix your credit score to buy a house

Length of credit history matters. Keeping old accounts open—even if unused—helps your average account age. The most accessible option, requiring only 580 for a 3

No official government minimum, but many lenders set their own "overlay" at 580–620 . 2. Identify and Dispute Errors Immediately Length of credit history matters

Set up autopay or electronic reminders for at least the minimum payment on all accounts to ensure you never miss a due date.

Paying down high-utilization cards can raise your score by 40–80 points within a single billing cycle.

For a one-time slip-up, you can write a "goodwill letter" to the creditor asking them to remove the negative mark as a courtesy. 5. Strategically Add or Manage Accounts