Improving your credit score is crucial before applying for a mortgage, typically requiring a score of 620 or above. To enhance your score, run a credit report at least six months prior and check for errors. Avoid applying for new credit, pay down existing debts, and ensure timely bill payments. Use no more than 30% of your available credit and shop for mortgage rates within 30-day increments to minimize impact on your score. Consult your lending institution for personalized advice.
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