Do you have bad credit?
If your credit score is lower than you think it should be or it’s been awhile since you checked your credit, have a credit report done then go through and confirm the information is correct. Dispute and erroneous information.
Your credit score might reflect a high debt to income ratio. Using more than 30% of your available credit line will impact your credit, so pay down those debts! Focus on one account at a time and watch your credit score rise.
For more credit building tips, check out our housing and financial counselor’s video.