你知道你的信用评分是什么吗？如果您打算在不久的将来购买家，您将立即查找。如果您的分数不够高，您需要增加它，或者您甚至可能没有资格获得抵押贷款。
平均信用评分20多岁的人是65230岁人的平均分数为671.那些在“公平”范围内。Young people definitely have涉及到他们的信用评分时的一些改进空间。
如果你想买房子，请继续阅读。本文将为您提供一些关于如何建立您的信用以迟早购买房屋的提示。
How to Built Your Credit to Buy a House: Start Here
If you know you want to buy a house, the best thing to do is start saving young, building credit, and making sure your credit score stays strong. Of course, this is sometimes easier said than done.
1.获取您的信用报告和分数
The first thing you need to do is request your credit report and get your credit score. You can get a free one each year from the three major credit bureaus. You should thoroughly review your credit report and make sure everything is accurate.
Your credit report does not include your credit score, though, so you may have to pay for that. A lot of credit cards or other lenders provide this to their current customers, though, so you might be able to get it free if you have an account with a company who does this.
2. Dispute Any Errors
如果您在信用报告中发现任何错误，则需要进行提交争执写信给信用局，了解信息不正确。然后，您还应该向贷方或公司发送一封信，报告错误信息。
你绝对必须以书面形式做所有这一切。提交争议后，信贷局必须在30天内进行调查。您还需要包含支持您争议的文件。发送副本，而不是原件。
3.偿还拖欠账户
Your credit report will also indicate whether you have any delinquent accounts. If you have any accounts that have late payments, charge-offs, or accounts in collections, you should pay them off before applying for a mortgage. If you don’t, mortgage lenders will view you as a risky borrower who doesn’t pay their debts.
4.按时支付所有账单
您需要建立一致的准时付款。您可以基本上“埋葬”违法的账户（只要您支付他们的支付），每个月都按时支付的账户。拖欠帐户的旧帐户是，您的信用申请将越好。
一旦您获得所有帐户的账户，就可以等待几个月才能申请抵押贷款。这表明贷方您目前是一个负责任的借款人。
5.减少你欠的东西
A big part of your credit score is the amount of debt you have. Revolving debts, such as on credit cards, hurts you more than installment loans (car payments, for example).
像您使用不到30％的可用信用的贷款人。例如，如果您在可用信用中有10,000美元，则应将债务限制在不到3,000美元中以获得最佳的信用利用率。
偿还债务是提高您的信用评分的最紧迫方法之一，并证明自己是一个有价值的借款人。
6.多样化您的信用账户
贷款人喜欢看到良好的旋转和分期付款帐户。如果您拥有所有信用卡账户，那可以伤害您的信用评分。
It is possible to get a credit card even if you have poor credit. Even if you get one with a small limit, making a purchase and paying it off month after month will work in your favor.不良信用信用卡实际上可以帮助你。
随着您花费更多可用的信用或支付关闭，循环贷款可以随时间变化。分期付款贷款，如学生贷款或汽车贷款，用于固定一段时间，您通常每月进行相同的付款。
7.不要打开新帐户或在信用卡上放置很多
当您更接近申请抵押贷款时，您应该限制您打开的新帐户数量。开设新的家具或在家居装修或家居装饰商店购买新的家具或耗尽您的新房子，但避免这样做，可能很诱人。
Lenders want to see a stable credit history and they don’t want to see that you’ve recently opened a bunch of new accounts. It’s best to wait until after you close on your home to open any new accounts for furniture or home decor.
避免在您准备抵押申请时进行任何重大的财务变化。
8.打开较旧的帐户
In addition to avoiding new accounts,保持旧的开放。如果您关闭旧帐户，即使您真的不使用它们，您也可以降低可用的信用，从而提高您的信用利用率。
保持较旧的账户打开，每隔几个月，每次收取少量并立即支付。这将确保帐户不受卡发行人关闭的，以便不使用，并对您的信用概况积极工作。
9.给自己的时间
要记住的最重要的事情之一是您的信用评分的变化不会发生过夜。您可能必须调整您的时间表，以便从过去的信用错误中购买房屋以恢复。
底线
通过一致的努力工作，可以建立您的信誉，被认为是一个有价值的贷方。好消息是您可以立即开始进行小的更改以改善您的分数和信用概况。
Use these tips for how to build credit to buy a house and when it comes time to apply for a mortgage, check out the most竞争目前的抵押贷款大鼠es on our site. Then, you can apply for an即时在线速率报价and get all of your questions about mortgage answered.
