How do I improve my credit before applying for a mortgage?

Focus on the three biggest levers: lower utilization to under 10%, remove inaccurate negatives through disputes, and add positive tradelines like rent reporting if you have a thin file. Avoid all new credit applications during the 90 days before your mortgage. Here at Credisure Fix, we run the full pre-mortgage credit optimization in a single session so you qualify for the best rate available.