Even one 30-day late payment can tank your score by 60–110 points. Set up autopay for at least the minimum amount on every account to ensure you never miss a due date.
Look for "zombie" debts, incorrect late payments, or accounts that aren't yours. fixing credit to buy a house
From Credit "Meh" to Homeowner: How to Fix Your Credit to Buy a House Even one 30-day late payment can tank your