{"id":20180,"date":"2024-02-05T16:06:14","date_gmt":"2024-02-05T22:06:14","guid":{"rendered":"https:\/\/www.lexingtonlaw.com\/blog\/?p=20180"},"modified":"2024-09-04T13:34:50","modified_gmt":"2024-09-04T19:34:50","slug":"credit-repair-for-first-time-home-buyers","status":"publish","type":"post","link":"https:\/\/www.lexingtonlaw.com\/blog\/life-events\/credit-repair-for-first-time-home-buyers.html","title":{"rendered":"8 credit repair tips for first-time home buyers"},"content":{"rendered":"\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"570\" height=\"191\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2024\/02\/how-to-get-out-of-debt.jpg\" alt=\"\" class=\"wp-image-20181\"\/><\/figure>\n\n\n\n<p><em>The information provided on this website does not, and is not intended to, act as legal, financial or credit advice. <a href=\"https:\/\/www.lexingtonlaw.com\/disclaimer\" target=\"_blank\" rel=\"noreferrer noopener\">See Lexington Law\u2019s editorial disclosure for more information.<\/a><\/em><\/p>\n\n\n\n<p>If you\u2019re planning to buy a house in the near future, you may be paying extra attention to your credit. While good credit can help you qualify for the best terms and interest rates, <a href=\"https:\/\/www.lexingtonlaw.com\/education\/bad-credit-score\" target=\"_blank\" rel=\"noreferrer noopener\">bad credit<\/a> can stand in the way of your dream home.<\/p>\n\n\n\n<p>If your credit could use a little TLC, continue reading to learn more about credit repair for first-time home buyers and discover helpful tips to improve your credit.<\/p>\n\n\n\n<p><strong>Table of contents:<\/strong><\/p>\n\n\n\n<ul>\n<li>1. Pay your bills on time<\/li>\n\n\n\n<li>2. Look for errors on your credit report<\/li>\n\n\n\n<li>3. Dispute any inaccuracies<\/li>\n\n\n\n<li>4. Lower your credit utilization<\/li>\n\n\n\n<li>5. Consider consolidating your debt<\/li>\n\n\n\n<li>6. Leave old credit accounts open<\/li>\n\n\n\n<li>7. Avoid opening new credit accounts<\/li>\n\n\n\n<li>8. Get help from a credit repair company<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-1-pay-your-bills-on-time\">1. Pay your bills on time<\/h2>\n\n\n\n<p>Since payment history is the number one factor that <a href=\"https:\/\/www.lexingtonlaw.com\/education\/what-affects-credit-score\" target=\"_blank\" rel=\"noreferrer noopener\">affects your credit score<\/a>, the first step in repairing your credit is getting current with your bills. Late payments, especially those over 30 days past due, can cause your credit to take a significant hit. Not to mention <a href=\"https:\/\/www.lexingtonlaw.com\/blog\/credit-101\/how-long-do-late-payments-stay-on-credit-reports.html\" target=\"_blank\" rel=\"noreferrer noopener\">late payments can stay on your credit report<\/a> for seven years and continue to negatively impact your credit, although the effect lessens over time.<\/p>\n\n\n\n<p>If you\u2019ve missed payments in the past, it\u2019s important to get back on track with making your payments on time. Consider creating a budget, making a list of all your bills, noting their due dates and setting reminders so you don\u2019t forget to pay them. Set up automated payments wherever possible.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"871\" height=\"985\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2024\/02\/image-11.png\" alt=\"\" class=\"wp-image-20184\" srcset=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2024\/02\/image-11.png 871w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2024\/02\/image-11-768x869.png 768w\" sizes=\"(min-width: 767px) 600px, calc(100vw - 35px)\" \/><\/figure>\n\n\n\n<p><strong>Pro tip:<\/strong> <a href=\"https:\/\/www.lexingtonlaw.com\/blog\/life-events\/building-an-emergency-fund.html\" target=\"_blank\" rel=\"noreferrer noopener\">Build an emergency fund<\/a> so you\u2019re still able to pay your bills even if you get hit with an unexpected expense.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-2-look-for-errors-on-your-credit-report\">2. Look for errors on your credit report<\/h2>\n\n\n\n<p>Errors on your credit report could negatively impact your ability to secure a mortgage. In fact, a recent study by <a href=\"https:\/\/advocacy.consumerreports.org\/wp-content\/uploads\/2021\/06\/A-Broken-System-How-the-Credit-Reporting-System-Fails-Consumers-and-What-to-Do-About-It.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Consumer Reports<\/a> found that 34 percent of participants had at least one error on their credit report.<\/p>\n\n\n\n<p>According to the Consumer Financial Protection Bureau, <a href=\"https:\/\/www.consumerfinance.gov\/ask-cfpb\/what-are-common-credit-report-errors-that-i-should-look-for-on-my-credit-report-en-313\/\" target=\"_blank\" rel=\"noreferrer noopener\">common errors to look<\/a> for include:<\/p>\n\n\n\n<ul>\n<li><strong>Identity errors: <\/strong>These include inaccuracies regarding your personal information. For instance, your name, address or phone number may be incorrect or misspelled. Make sure to look for accounts that don\u2019t belong to you and could be the result of identity theft.<\/li>\n\n\n\n<li><strong>Reporting errors: <\/strong>These are errors regarding the state of your accounts. For example, accounts you previously closed that are inaccurately reported as open.<\/li>\n\n\n\n<li><strong>Data errors: <\/strong>These could be duplicate accounts or incorrect information that had previously been corrected.<\/li>\n\n\n\n<li><strong>Balance errors: <\/strong>These include wrong balances or credit limits.<\/li>\n<\/ul>\n\n\n\n<p>While not all errors affect your credit score, incorrect payment dates or account statuses can have a significant adverse effect, so it\u2019s important to <a href=\"https:\/\/www.lexingtonlaw.com\/blog\/finance\/how-to-read-a-credit-report.html\" target=\"_blank\" rel=\"noreferrer noopener\">review your credit report<\/a> before buying a house.<\/p>\n\n\n\n<p><strong>Pro tip:<\/strong> You can get a copy of your credit report from each of the three credit bureaus for free at <a href=\"https:\/\/www.annualcreditreport.com\/index.action\" target=\"_blank\" rel=\"noreferrer noopener\">AnnualCreditReport.com<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-3-dispute-any-inaccuracies\">3. Dispute any inaccuracies<\/h2>\n\n\n\n<p>If you identify any errors on your credit report, you will want to get the inaccurate information removed if you can. <a href=\"https:\/\/www.lexingtonlaw.com\/education\/credit-disputes\" target=\"_blank\" rel=\"noreferrer noopener\">File a dispute<\/a> with the credit bureau via their website, mail or phone.<\/p>\n\n\n\n<p>Regardless of the method you choose, make sure to clearly state what items you\u2019re challenging and why the information is wrong. Consider including a copy of your credit report and highlighting or circling the errors.<\/p>\n\n\n\n<p>Once you file a dispute, the credit bureau has 90 days to complete an investigation into your claim. If the bureau confirms that the error is inaccurate, they will remove it from your credit report. You should see the correction reflected in your score within a few weeks.<\/p>\n\n\n\n<p><strong>Pro tip:<\/strong> Use the Federal Trade Commission\u2019s <a href=\"https:\/\/consumer.ftc.gov\/articles\/sample-letter-disputing-errors-credit-reports-business-supplied-information\" target=\"_blank\" rel=\"noreferrer noopener\">sample letter<\/a> as a guide when writing your letter.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-4-lower-your-credit-utilization\">4. Lower your credit utilization<\/h2>\n\n\n\n<p><a href=\"https:\/\/www.lexingtonlaw.com\/education\/credit-utilization\" target=\"_blank\" rel=\"noreferrer noopener\">Credit utilization<\/a> is another factor that influences your credit. Your credit utilization ratio is the amount of credit you\u2019re using in relation to the amount of credit available to you.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"865\" height=\"706\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2024\/02\/image-10.png\" alt=\"\" class=\"wp-image-20183\" srcset=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2024\/02\/image-10.png 865w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2024\/02\/image-10-768x627.png 768w\" sizes=\"(min-width: 767px) 600px, calc(100vw - 35px)\" \/><\/figure>\n\n\n\n<p>Keeping your credit utilization low shows mortgage lenders that you aren\u2019t too reliant on credit. Meanwhile, a high credit utilization ratio could indicate that you may struggle to pay your mortgage.<\/p>\n\n\n\n<p>Here are a few strategies to lower your credit utilization ratio:<\/p>\n\n\n\n<ul>\n<li><strong>Pay off large purchases immediately:<\/strong> If you make a large purchase on your credit card, consider paying it off the same day if possible.<\/li>\n\n\n\n<li><strong>Make multiple payments each month: <\/strong>Get in the habit of paying your balance multiple times each month so the <a href=\"https:\/\/www.lexingtonlaw.com\/education\/three-credit-bureaus\" target=\"_blank\" rel=\"noreferrer noopener\">credit bureaus<\/a> are more likely to see a lower number when your credit card issuer reports your statement balance.<\/li>\n\n\n\n<li><strong>Request a credit limit increase: <\/strong>Contact your credit card issuer to see if you qualify for a credit limit increase. Keep in mind that this may result in a <a href=\"https:\/\/www.lexingtonlaw.com\/blog\/negative-items\/what-is-a-hard-inquiry.html\" target=\"_blank\" rel=\"noreferrer noopener\">hard inquiry<\/a>, which could temporarily lower your score.<\/li>\n\n\n\n<li><strong>Lower your spending: <\/strong>Consider switching to cash or a debit card to decrease the amount of money you charge to your credit card each month.<\/li>\n<\/ul>\n\n\n\n<p><strong>Pro tip:<\/strong> Generally, experts recommend keeping your credit utilization below 30 percent. For example, if you only have one credit card and the limit is $10,000, you should aim to spend less than $3,000 each month.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-5-consider-consolidating-your-debt\">5. Consider consolidating your debt<\/h2>\n\n\n\n<p>If you struggle to keep track of your different credit accounts and their due dates, consider consolidating your debt into a single monthly payment. This strategy can help you pay off debt quicker and avoid late payments. However, in order for <a href=\"https:\/\/www.lexingtonlaw.com\/blog\/loans\/debt-consolidation.html\" target=\"_blank\" rel=\"noreferrer noopener\">debt consolidation<\/a> to make sense, you should aim to get a lower interest rate.<\/p>\n\n\n\n<p>There are a few different <a href=\"https:\/\/www.lexingtonlaw.com\/education\/consolidate-credit-card-debt\" target=\"_blank\" rel=\"noreferrer noopener\">ways to consolidate your debt<\/a>, including:<\/p>\n\n\n\n<ul>\n<li><strong>Zero-percent APR balance transfer credit card: <\/strong>Transfer your credit card debt to a new card, specifically during the 0 percent APR introductory period. Aim to pay down your debt before the introductory period ends\u2014typically between 12 and 21 months.<\/li>\n\n\n\n<li><strong>Debt consolidation loan: <\/strong><a href=\"https:\/\/www.lexingtonlaw.com\/blog\/finance\/how-to-get-debt-consolidation-loan.html\" target=\"_blank\" rel=\"noreferrer noopener\">Get a debt consolidation loan<\/a> from a bank, credit union or online lender. Compare options to find the lowest interest rate.<\/li>\n\n\n\n<li><strong>Home equity loan:<\/strong> A home equity loan involves using the equity in your home as collateral to borrow money. While home equity loans typically have lower interest rates, you could end up losing your home if you fail to make payments.<\/li>\n\n\n\n<li><strong>401(k) loan: <\/strong>If you have a retirement account, you can borrow money from your savings. Keep in mind that taking out a 401(k) loan can hurt your retirement savings since you cannot continue to invest until you pay back the loan.<\/li>\n<\/ul>\n\n\n\n<p><strong>Pro tip:<\/strong> Weigh the benefits and drawbacks to find the best debt consolidation option for your financial situation.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-6-leave-old-credit-accounts-open\">6. Leave old credit accounts open<\/h2>\n\n\n\n<p>You may consider closing old credit accounts that you don\u2019t use anymore, but that can actually hurt your credit. FICO\u00ae takes into account your <a href=\"https:\/\/www.lexingtonlaw.com\/education\/length-of-credit-history\" target=\"_blank\" rel=\"noreferrer noopener\">length of credit history<\/a> when calculating your score.<\/p>\n\n\n\n<p>A long credit history signals to mortgage lenders that you have experience using credit and provides a more thorough track record of your credit history.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1052\" height=\"523\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2024\/02\/image-9.png\" alt=\"\" class=\"wp-image-20182\" srcset=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2024\/02\/image-9.png 1052w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2024\/02\/image-9-768x382.png 768w\" sizes=\"(min-width: 767px) 600px, calc(100vw - 35px)\" \/><\/figure>\n\n\n\n<p>You should leave old credit accounts open unless you have another reason for closing them, such as an annual fee.<\/p>\n\n\n\n<p><strong>Pro tip:<\/strong> If your oldest account charges an annual fee, consider calling the credit card issuer to see if you can get it waived.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-7-avoid-opening-new-credit-accounts\">7. Avoid opening new credit accounts<\/h2>\n\n\n\n<p>Opening too many credit accounts in a short time frame can be a red flag to lenders. They may come to the conclusion that you\u2019re financially unstable and are relying on credit to get by. As a result, they may consider you more likely to fall behind on payments.<\/p>\n\n\n\n<p>Additionally, too many hard inquiries can hurt your credit. While a single hard inquiry typically only lowers your score a small amount, multiple hard inquiries may cause a noticeable drop in your score.<\/p>\n\n\n\n<p><strong>Pro tip:<\/strong> Try to wait six months between credit card applications.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-8-go-through-the-credit-repair-process\">8. <strong>Go through the credit repair process<\/strong><\/h2>\n\n\n\n<p>Before applying for a mortgage loan, you may want to see if there are errors on your credit report. Credit repair involves closely examining your credit report to identify negative items that might be wrongfully hurting your score. You can then dispute the inaccuracies to potentially have them removed fro your report.<\/p>\n\n\n\n<p><strong>Pro tip:<\/strong> Research each company and read reviews to avoid running into <a href=\"https:\/\/www.lexingtonlaw.com\/blog\/credit-101\/credit-repair-scams.html\" target=\"_blank\" rel=\"noreferrer noopener\">credit repair sca<\/a><a href=\"https:\/\/www.lexingtonlaw.com\/blog\/credit-101\/credit-repair-scams.html\">ms<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-why-is-credit-important-when-buying-a-home\">Why is credit important when buying a home?<\/h2>\n\n\n\n<p>Credit is important when buying a home if you plan to take out a mortgage. A <a href=\"https:\/\/www.lexingtonlaw.com\/education\/good-credit-score\" target=\"_blank\" rel=\"noreferrer noopener\">good credit score<\/a> will boost your likelihood of qualifying for a mortgage with a lower interest rate and better terms. This can end up saving you thousands of dollars over the course of your mortgage.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-does-your-credit-score-need-to-be-to-buy-a-house-for-the-first-time\">What does your credit score need to be to buy a house for the first time?<\/h2>\n\n\n\n<p>The <a href=\"https:\/\/www.lexingtonlaw.com\/education\/credit-score-needed-buy-a-house\" target=\"_blank\" rel=\"noreferrer noopener\">credit score needed to buy a house<\/a> varies depending on the type of loan you want. For most conventional mortgages, borrowers need a credit score of <strong>620 or higher<\/strong> to qualify. Meanwhile, an <a href=\"https:\/\/www.fha.com\/fha_credit_requirements\" target=\"_blank\" rel=\"noreferrer noopener\">FHA loan<\/a> requires a minimum credit score of 500. Generally, the higher your credit score, the more favorable interest rates and terms you\u2019ll be approved for. <\/p>\n\n\n\n<p>Need help repairing your credit before buying a home? <a href=\"https:\/\/www.lexingtonlaw.com\/our-firm\" target=\"_blank\" rel=\"noreferrer noopener\">Lexington Law Firm<\/a> could help you identify and address inaccurate negative items that may be damaging your score. Sign up for a <a href=\"https:\/\/www.lexingtonlaw.com\/credit-snapshot\/pi\" target=\"_blank\" rel=\"noreferrer noopener\">free credit assessment<\/a> to establish your starting point and see what services may be right for you.<\/p>\n\n\n\n<p><a aria-label=\"undefined (opens in a new tab)\" href=\"https:\/\/lexingtonlaw.com\/disclaimer\" target=\"_blank\" rel=\"noreferrer noopener\"><strong><em>Note:<\/em><\/strong><\/a><em> Articles have only been reviewed by the indicated attorney, not written by them. The information provided on this website does not, and is not intended to, act as legal, financial or credit advice; instead, it is for general informational purposes only. Use of, and access to, this website or any of the links or resources contained within the site do not create an attorney-client or fiduciary relationship between the reader, user, or browser and website owner, authors, reviewers, contributors, contributing firms, or their respective agents or employers.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Credit repair for first-time home buyers can help you qualify for a mortgage. Read on to discover 8 actionable tips to repair your credit before your big purchase.<\/p>\n","protected":false},"author":63,"featured_media":20181,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[527],"tags":[5142],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v18.1 (Yoast SEO v18.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>8 Credit Repair Tips for First-time Home Buyers | Lexington Law<\/title>\n<meta name=\"description\" content=\"Credit repair for first-time home buyers can help you qualify for a mortgage. Read on to discover 8 actionable tips to repair your credit before your big purchase.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.lexingtonlaw.com\/blog\/life-events\/credit-repair-for-first-time-home-buyers.html\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"8 credit repair tips for first-time home buyers\" \/>\n<meta property=\"og:description\" content=\"Credit repair for first-time home buyers can help you qualify for a mortgage. 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