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Beware of debt transfer offers, all this does is move your debt from one creditor to the next in addition to transfer fees anywhere from 3-5%.
TIME your SHOPPING after you pay down a credit or installment loan. When a lender checks your credit, it pulls balances from the prior 30 days.
Avoid applying for new credit frequently, scores can drop substantially unless you shop a mortgage within a TWO week window.
Prep your student loans, PAY ON TIME, if you have any student loans consolidated or in deferment be sure you get copies of the most recent statement. Some lenders use a higher qualifying payment if you are in deferment and thus reduces your purchase power.
Retain your existing credit lines and do not close them. Contrary to popular belief, closed accounts do not equal better credit. Lenders want to see your repayment pattern after all.
Keep revolving balances closer to 7-10% if possible but definitely not over 30%.
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