human
I've been told that my credit score isn't good enough for me to qualify for a mortgage. What can I do to improve it?
assistant
The first thing you should do is check your credit report from all three of the major credit reporting bureaus, Experian, Equifax and TransUnion. You may be able to dispute any errors or incorrect information on your report. Once you have done this, you should work to pay off debt as soon as possible, so that your utilization rate (the amount of debt you owe compared to your total available credit) is low. Additionally, if you are planning on buying a house in the near future, try to get pre-approved for a mortgage before making an offer on a property. This will help ensure that you have a strong credit history when applying for a loan.