Check Your Credit Report: Start by reviewing your credit report for errors. Correcting mistakes can instantly improve your score and help you get a better home loan. 

Pay Bills on Time: Timely bill payments are crucial for a high credit score. Set reminders or automate payments to maintain a positive credit history. 

Reduce Debt: Work on paying down high credit card balances. Lowering your debt-to-income ratio makes you a more attractive borrower for a home loan. 

Avoid New Credit Accounts: Don’t open new credit accounts before applying for a home loan. Each new account can temporarily lower your credit score. 

Keep Old Accounts Open: Maintain your oldest credit accounts. A long credit history positively impacts your score, helping you secure better loan terms. 

Limit Hard Inquiries: Minimize hard inquiries on your credit report. Too many inquiries can negatively affect your credit score and impact your home loan approval. 

Maintain a Low Credit Utilization: Use less of your available credit. Keeping your credit utilization below 30% of your total credit limit can improve your credit score.