What lenders actually look at in your credit report, and practical habits that protect your score while you shop for a home.
More than one number
Mortgage lenders usually pull all three bureaus and work from the middle score. If you are buying with a co-borrower, the lower of the two middle scores often drives the loan terms, so it is worth reviewing both reports early.
What moves the needle
Payment history and how much of your available revolving credit you are using tend to carry the most weight. Paying a card down before the statement closes can help more than paying it off after.
Errors happen. Disputing an inaccurate collection or a duplicate account takes time, which is another reason to start the conversation months before you plan to write an offer.
Protect the file while you shop
Between pre-approval and closing, avoid opening new credit lines, financing furniture, or changing jobs without telling your loan originator. Lenders often re-check credit and employment right before closing.
None of this is about perfection. It is about keeping your file looking the same on closing day as it did the day you were approved.
Next step
Have a question about your situation?
Every file is different. Book a 30-minute discovery call or start your application whenever you’re ready.