Your credit score can make or break your home buying experience.👉 A higher score = lower interest rate, lower monthly payment, and better loan options The good news? You can improve it faster than you think—if you focus on the right moves. 🧠 1. Pay All Bills On Time (Biggest Impact) Payment history is the #1 factor in your credit score. Pay every bill on time—no exceptions Set up auto-pay or reminders 👉 Even one missed payment can hurt your score significantly 💳 2. Lower