Get a Mortgage Even With Maxed Out Cards

Improving Your Credit Profile

One of the first steps to take is to work on improving your credit profile. Pay down your credit card balances as much as possible to lower your credit utilization ratio. Even a small reduction can have a positive impact on your credit score. Additionally, ensure that you make all your payments on time, as payment history is another significant factor in your credit score calculation. Regularly check your credit report for errors and dispute any inaccuracies you find, as these could be unfairly dragging down your score.