Look for "zombie" debts, incorrect late payments, or accounts that aren't yours.
Two factors make up 65% of your FICO score. Focus your energy here for the biggest impact: fixing credit to buy a house
Here is your roadmap to cleaning up your credit and getting mortgage-ready in 2026. 1. Know Your Starting Point Look for "zombie" debts, incorrect late payments, or
If you find a mistake, dispute it with the relevant credit bureau (Experian, Equifax, or TransUnion). Correcting a single major error can sometimes boost your score in as little as 30 to 45 days. 2. Master the "Big Two" Factors Look for "zombie" debts
Ask your current card issuers to raise your limit. If your spending stays the same, your utilization ratio drops instantly—just ensure they can do this without a "hard inquiry".