: List debts from smallest to largest balance. Pay the minimum on all but the smallest, and put every extra dollar toward that one until it's gone, then "snowball" those funds to the next.
Since payment history accounts for of your FICO score, a single 30-day late payment can cause a drop of up to 110 points. credit repair to buy a home
: Set up autopay for at least the minimum balance on all accounts to ensure you never miss a due date. : List debts from smallest to largest balance
: If you have past-due accounts, bring them current immediately to stop further damage. 4. Optimize Credit Mix and Age : Set up autopay for at least the
: Do not open new credit cards or take out auto loans while preparing for a mortgage, as new "hard inquiries" can temporarily lower your score. 3. Payment History Maintenance