To repair your credit for a home purchase, you must focus on improving your ratio and your FICO score , as most conventional mortgages require a minimum score of 620 . 1. Audit and Dispute Errors

Do you have a or a particular mortgage type (like FHA or Conventional) in mind for your home purchase?

: Look for duplicate accounts, incorrect payment statuses, or accounts that don't belong to you.

: Send a formal dispute letter to the credit bureaus (Equifax, Experian, and TransUnion) and the creditor.