Even one 30-day late payment can tank your score by 60–110 points. Set up autopay for at least the minimum amount on every account to ensure you never miss a due date.
Services like Experian Boost can add utility and phone bill payments to your report for an immediate point bump. 4. What to Avoid (The "Don't" List) fixing credit to buy a house
Look for "zombie" debts, incorrect late payments, or accounts that aren't yours. Even one 30-day late payment can tank your
Here is your roadmap to cleaning up your credit and getting mortgage-ready in 2026. 1. Know Your Starting Point incorrect late payments