So, the time has finally come for you to officially begin house-hunting! While this is often a very exciting time for people, especially first-time home buyers, it can also be stressful if your credit score is not where you would like for it to be. Luckily, there are certain steps that you can take to try and raise your credit score efficiently and quickly so that you can be in a great spot to purchase a home. Here are some tips and tricks on how to raise your credit:

Reduce your credit card balances as much as possible. One of the easiest ways to raise your credit score is to pay off any credit card debt that you have. If you are not able to pay in full, try to make consistent monthly, or multiple, payments so that you are not facing interest fees.

Pay on time. In addition to paying off your debt, ensure that you are meeting your monthly payment and paying on time. Payments that are made late, although better than no payments at all, will count against you in the long-term.

Check your credit report regularly. Stay on top of your credit score and report by checking it on a consistent basis. When you check your credit score, you will be able to see first-hand the errors that are lowering it and will be able to address each error accordingly. If you notice something that is false on your credit report, it is important that you immediately dispute all claims made against you.