To repair your credit for a home purchase, you must focus on improving your ratio and your FICO score , as most conventional mortgages require a minimum score of 620 . 1. Audit and Dispute Errors
: If you have past-due accounts, bring them current immediately to stop further damage. 4. Optimize Credit Mix and Age credit repair to buy a home
: Send a formal dispute letter to the credit bureaus (Equifax, Experian, and TransUnion) and the creditor. To repair your credit for a home purchase,