How can I raise my credit score fast before buying?

To raise your credit score before buying, start by paying down credit card balances to lower your utilization ratio, ideally below 30 percent of your limits. Make all payments on time, as payment history is the biggest factor. Avoid opening new credit accounts or making large purchases on credit, which can temporarily lower your score. Check your credit reports for errors and dispute any inaccuracies with the bureaus. If you have collections or late payments, consider negotiating with creditors. Don't close old accounts, as length of credit history matters. These steps take time, often several months, so start as early as possible. Focus on consistency and avoid actions that trigger hard inquiries or add new debt before applying for a mortgage.