Credit is one of the biggest stress points for homebuyers. Many buyers know their credit score matters, but they do not always understand what affects it or how it connects to mortgage approval. That is where mistakes happen. A buyer may try to improve their credit before applying for a mortgage, but without a strategy, the move they make may not help the way they expected. Credit Is Not Just About Paying Bills on Time Paying bills on time is important. But it is not the only