Opening new credit lines in the 6–12 months before a mortgage application can trigger "hard inquiries" that lower scores.
: It verifies rent and utility payments through linked bank accounts and uses services like Experian Boost or VantageScore 4.0 to report these positive behaviors to the bureaus, potentially boosting scores by up to 100 points. 4. Hard Inquiry "Safe Zone" Guard improving credit score to buy a house
Since on-time rent and utility payments aren't always automatically reported, this feature acts as a . Opening new credit lines in the 6–12 months