by Lynn Burbeck
Credit history is not the only factor lenders consider when approving mortgages.
Pay bills on time each month--particularly those for credit cards, student loans or car loans, which directly impact your credit score. Showing an ability and willingness to pay bills on time is a positive first step in improving a bad credit history. Lowering credit card balances and fixing inaccurate information on your credit report will also help to strengthen your score.
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