{"id":15688,"date":"2024-08-12T07:37:39","date_gmt":"2024-08-12T14:37:39","guid":{"rendered":"https:\/\/www.homelight.com\/blog\/?p=15688"},"modified":"2026-04-14T23:07:21","modified_gmt":"2026-04-15T06:07:21","slug":"buyer-how-to-build-credit-fast","status":"publish","type":"post","link":"https:\/\/www.homelight.com\/blog\/buyer-how-to-build-credit-fast\/","title":{"rendered":"Credit Score Blues? Here\u2019s How to Build Credit, Fast, Before You Buy a House"},"content":{"rendered":"

You\u2019ve decided the time has come to buy a house<\/a>. You\u2019ve saved your down payment<\/a>, selected the perfect real estate agent<\/a>, and figured out exactly what city or neighborhood you want to call home.<\/p>\n

But there might be one very important factor you\u2019ve forgotten about, and it can affect not only your viability as a buyer, but also your spending power, interest rates, and attractiveness to both sellers and mortgage lenders: your credit rating<\/a>.<\/p>\n\n\n\n\n\n

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\n \"homelight\n <\/div>\n \n

Step one: Talk to a few buyer's agents!<\/h3>\n

Tell us a little bit about your plans (where you’re looking to buy and when you want to make a purchase) and we’ll connect you with top-rated buyer’s agents in your area. It takes only a few minutes, and it’s free.<\/p>\n \n

\n Get Started<\/a>\n <\/div>\n <\/div>\n<\/div>\n\n\n

According to credit reporting agency Experian.com<\/a>, a credit score \u2014 also known as a FICO\u00ae score \u2014 of 700 and above is considered \u201cgood.\u201d Anything in the 800 range is considered \u201cexcellent.\u201d The average score for most consumers falls between 680 and 750.<\/p>\n

Credit scores can affect many areas of your life. They not only show lenders your ability to pay your bills on time, but also how much debt you have and how much additional debt you can potentially carry. A good credit rating can smooth the way to a relatively painless mortgage loan approval, while a bad rating can make it difficult to get a loan at all.<\/p>\n

Building good credit<\/a> can feel insurmountable \u2014 but even if you don\u2019t have a perfect score, or if you have no credit at all, with a little help from the experts, you can build up your credit fast before you buy a house and improve your scores surprisingly quickly.<\/p>\n

We\u2019ve researched some of the best and fastest ways to build credit, talking to both real estate professionals and consumer credit specialists to create a checklist of some of the best ways to build your credit fast before you buy your home and improve your overall credit rating.<\/p>\n","protected":false},"excerpt":{"rendered":"

Here are some of the best and fastest ways for how to build credit fast, with input from real estate professionals and consumer credit specialists.<\/p>\n","protected":false},"author":178,"featured_media":46885,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","cybocfi_hide_featured_image":"","footnotes":""},"categories":[192,631,629],"tags":[],"class_list":["post-15688","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-for-buyers","category-credit-scores","category-home-financing"],"acf":[],"yoast_head":"\nHere\u2019s How to Build Credit, Fast, Before You Buy a House<\/title>\n<meta name=\"description\" content=\"Here are some of the best and fastest ways for how to build credit fast, with input from real estate professionals and consumer credit specialists.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.homelight.com\/blog\/buyer-how-to-build-credit-fast\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Credit Score Blues? 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