Thank you for your question. The specific steps you need to take will depend on your current credit situation. Having said that, I can provide you with some insight into what factors impact credit, general steps you can take, and who you can contact for more specific information regarding your situation.
First, let's start with the factors included in a credit score. The following categories and percentages are based on the FICO® credit score, which is what most underwriters use when making lending decisions.
As you can see from the percentage weightings, on-time payments and keeping credit balances low are two factors that can really help boost your credit score. You can learn more at the FICO website.
Second, I recently answered another Q&A regarding what general steps a person can take to build credit. Some of these steps may apply towards your goal of obtaining a home loan. You can read it here.
Finally, you'll want to understand what specific factors are currently helping or hurting your situation. I would recommend three actions for this:
Please let us know if you have any additional questions, and best of luck as you work towards obtaining a home loan.