Is your credit score standing in the way of homeownership? Don’t worry! Here are 3 easy tips to help boost your credit score quickly—sometimes within 30 days—so you can get one step closer to buying your dream home!

1. Get a Secured Credit Card

A secured credit card is a special kind of card that requires a small cash deposit to open. The deposit acts as collateral every time you make a purchase. By using this card responsibly, you’ll be building your credit score over time.

2. Become an Authorized User

Ask a trusted family member, like a parent or a significant other, to add you as an authorized user on their credit card account. You’ll get the benefit of their positive payment history and available credit, which can boost your score.

3. Pay Down Credit Card Balances

If you have credit cards with high balances, try to pay them down. Credit bureaus like to see your credit usage between 10% and 30% of your limit. For example, if you have a $500 credit limit, try to keep your balance below $150. You can also ask for a credit limit increase to help lower your overall usage percentage.

Bonus Tip:

Check your credit report for errors. If there’s something incorrect dragging your score down, getting it fixed can improve your score faster than you think!

With these tips, you’ll be on your way to a better credit score—and closer to buying a home—in no time!