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10 Credit Tips for Home Buyers
The 3 major credit bureaus, TransUnion, Equifax, and Experian allow you to obtain a FREE credit report each year directly from them or through www.annualcreditreport.com It is estimated that up to 2/3 of all credit reports have some type of error such as account information, personal name, address history, etc.
  Any accounts that are being disputed may be required to have the dispute verbiage removed. This can take time, so addressing up front at time of pre-approval is critical.
Should you need to acquire the services of a credit repair company, be very cautious as many of them will do very little for what you pay them. Always identify how long the company has been in business as well as any references they may have. 
Do not close your accounts once you pay them off. This is a common mistake. Your scores will increase based on the increasing amount of available credit you have that you do not use.
  In order to begin to increase your credit scores, attempt to pay down your balances to 50% of the available credit limit; then to 30%, then to a $0 balance. Depending on your overall credit situation, this process may gradually increase your scores.
If you are in the process of buying ... more

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