Remember, there are countless other factors that also play a role in the mortgage-approval process, including theThe most important thing you can do to increase your credit score is to make your payments on time and in full each month. Payment history makes up 35% of your score, the largest proportion of theIf you have trouble paying on time, set up automated payments for at least the minimum balance each month .
Make sure you are not using up too much of your credit lines at any one time. Your credit utilization ratio makes up 30% of your score, and experts recommend keeping it at 30% or below. So, for example, if you have a credit card with a $10,000 limit, you want to charge no more than $3,000 at any one time. Making periodic payments throughout the month can help you keep it in line with the recommended limit.