How Your Credit Score Is Calculated
Your credit score can have a significant effect on your ability to buy a home. At the very least, it can help decide just how much home you can afford.
![](https://api.curaytor.io/sites/186/media/1301937/4.png?w=610)
Payment History
Have you historically paid your credit accounts on time?
![](https://api.curaytor.io/sites/186/media/1301938/5.png?w=610)
Amount Owed
How much of your available credit are you using?
![](https://api.curaytor.io/sites/186/media/1301942/8.png?w=610)
New Credit
Have you applied for (or opened) multiple credit accounts in a short time?
![](https://api.curaytor.io/sites/186/media/1301940/7.png?w=610)
Payment History
Have you historically paid your credit accounts on time?
![](https://api.curaytor.io/sites/186/media/1301943/6.png?w=610)
Length of History
How long has it been since you established (and used) your credit accounts?
If you're thinking about buying a house, but your credit isn't where you'd like it to be, now you know what you can do to fix it. Improve any of these areas—especially the first two—for a few months and you will start to see your score rise. Be patient, though. It takes time to build a strong credit history.
It's Now Or Never.
We know it may be scary, but if it's been on your mind for a while, now is the right time.
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