The road to good credit.
Very few people have perfect credit. If you, like most prospective home buyers, have a few trouble spots on your credit report, here are some suggestions to repair the damage and improve your buying power.
First, examine the credit report thoroughly to make sure it's accurate. If there are mistakes on the report, contact the credit reporting agencies immediately and ask for the errors to be removed. Also, consider these suggestions to build a strong credit history:
Pay all bills on time and in full
Use just two credit cards to avoid over spending
Keep a separate checking and savings account
If possible stay at your job for several years or longer
A stable job history will enhance your ability to qualify for a mortgage
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