1. Always pay on time.
2. Keep your credit card balances within half of the allowed limit.
3. Use two credit cards to keep each balance lower.
4. Keep a good mix of good and bad loans (home loans and business loans are good, personal loans and credit are bad).
5. Pay high-interest loans and small loans first.
6. Close old savings accounts.
7. Check your credit reports often.
These are some tips to keep your credit score in check and get a home loan more easily.
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