Check your credit reports from all three bureaus
Dispute any errors or inaccurate accounts
Pay all bills on time every month
Bring past-due accounts current
Pay down credit card balances
Keep credit card utilization below 30%
Avoid opening new credit accounts
Avoid closing old credit cards
Pay off collections if possible
Negotiate pay-for-delete only if allowed
Set up automatic payments for minimums
Reduce overall debt-to-income ratio
Avoid late payments on any account
Limit hard inquiries before applying
Keep older accounts in good standing
Use credit cards lightly and consistently
Consider a secured credit card if needed
Become an authorized user on a good account
Save for a larger down payment
Build an emergency fund
Get preapproved only after credit improves
Work with a mortgage lender early
Monitor credit regularly until closing