Your payment history and credit utilization are the two biggest factors in your credit score. Buying a home? The first step is to check your credit

Cleaning up your credit is one of the most impactful steps you can take toward homeownership. A higher score not only helps you qualify for a mortgage but can also unlock lower interest rates, potentially saving you thousands of dollars over the life of your loan. 1. Audit Your Credit Reports

: Look for closed accounts reported as open, duplicate debts, or incorrect payment histories.