Start by requesting your free credit reports from the three major bureaus—Equifax, Experian , and TransUnion—at AnnualCreditReport.com.
Look for incorrect addresses, accounts you don't recognize, or late payments that were actually made on time. how to get credit ready to buy a home
If you find errors, file a dispute with the relevant credit bureau. Investigations typically take 30 to 45 days , so address these early. 2. Optimize Your Credit Score Start by requesting your free credit reports from