How to Improve Your Credit Score Before Buying a Home in Nashville

Why Your Credit Score Matters in Nashville’s Market

In Nashville’s competitive real estate market, your credit score can:

• Affect your mortgage approval

• Impact your interest rate

• Determine which loan programs you qualify for

Even a small improvement can save you thousands over the life of your loan.

Step 1 — Know Your Current Score

Start by checking your credit reports from the three major bureaus:

• Experian

• Equifax

• TransUnion

You can request them for free at AnnualCreditReport.com. Review for errors that could be lowering your score.

Step 2 — Pay Bills on Time

Payment history is the single largest factor in your score.

• Set up auto‑pay to avoid missed due dates

• Catch up immediately if you’ve fallen behind

Nik’s Tip: Even one 30‑day late payment can drop your score significantly.

Step 3 — Lower Your Credit Utilization

Credit utilization = the percentage of available credit you’re using.

• Aim to keep it under 30% of your total credit limit

• Pay down high‑balance cards first

• Consider asking for a credit limit increase (but don’t increase spending)

Step 4 — Avoid New Credit Accounts

Each new account can cause a temporary dip in your score.

• Avoid opening new credit cards or taking out car loans before buying a home

• Limit hard inquiries in the 6 months before applying for a mortgage

Step 5 — Dispute Errors

If you find incorrect information on your credit report:

• File disputes with the credit bureau(s)

• Provide documentation to prove errors

• Follow up until corrections are made

How Long Does It Take to Improve Your Credit Score?

Small improvements can happen in 30–60 days
Larger jumps may take 6 months to a year depending on your situation

How Nik Shewmaker REALTOR Helps

• Lender Introductions: I connect clients with Nashville lenders who can run credit simulations to see how actions will impact your score

• Strategy Advice: I help you understand when your score is high enough to lock in a great loan rate

• Market Timing: I guide you on when to start shopping so your improved score benefits you most

Final Thoughts

Improving your credit score before buying a home in Nashville isn’t just about getting approved — it’s about getting the best possible loan terms and saving money for years to come.

Call to Action

If you’re preparing to buy a home in Nashville and want a clear credit improvement strategy, contact Nik Shewmaker REALTOR today. I’ll connect you with local lenders who can help you create a step‑by‑step plan to raise your score before you buy.

Nik Shewmaker (NashvillesNik)

📲 Call or text (615) 585-0022

📧 Email: Nashvillesnik@gmail.com

🌐 Visit: www.NashvillesNik.com