: Keep your total balances below 30% of your combined credit limits.
Your "credit utilization" (how much of your limit you use) accounts for . building credit to buy a house
: Request a credit limit increase on existing cards to lower your utilization ratio instantly—just don’t spend the extra room. : Keep your total balances below 30% of
Building credit is a marathon, not a sprint, especially when a house is the finish line. Aim for a score of at least for conventional loans, though higher scores (740+) unlock significantly better interest rates. 1. Master Your Payment History not a sprint