How do I improve my credit score before buying?

The fastest wins: pay credit card balances below 30% of their limits, never miss a payment, and avoid opening or closing accounts before applying. Card balances reported low can lift your score within a billing cycle.

Don't pay off old collections without guidance — sometimes it re-ages the debt. We offer a rapid-rescore review that can bump your middle score across a tier in days, often saving more than the effort costs.

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