Common Credit Killers

Late Payments
A single 30-day late payment can drop your score by up to 110 points. That’s enough to push you from “approvable” to “high risk” in the eyes of mortgage lenders.

High Credit Utilization

Using more than 30% of your available credit can signal financial stress to lenders. Many rejected applicants don’t realize they’re making this mistake until it’s too late.

Credit Inquiries

Each hard inquiry can lower your score by 5-10 points. Shopping for a car loan while preparing for a mortgage? You might be sabotaging your home buying plans.