How do I increase my credit score?

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While it may not be the answer borrowers want to hear, repairing your credit is the best thing to do before you submit a mortgage application. A higher credit score could save you thousands in interest payments, and give you more loan options.

Sure, these rules work as a guide for a good score, but they might not work for you. You may need to score a little more in some categories and a bit less in…