FAQ
How can I improve my credit score before buying?
Pay every account on time, keep credit-card balances below 30% of the limit (ideally below 10%), do not close old accounts, and avoid new credit pulls 60–90 days before applying.
By Tres Miller · Mortgage Banker · NMLS #217768
Reviewed June 22, 2026 · 31+ years lending in Utah
Quick Answer
Pay every account on time, keep credit-card balances below 30% of the limit (ideally below 10%), do not close old accounts, and avoid new credit pulls 60–90 days before applying.
Detailed answer
Three biggest score drivers: payment history (35%), utilization (30%), and account age (15%). We routinely help Utah buyers move from a "no" to a "yes" in 30–90 days through targeted utilization drops and dispute work.
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