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    You can improve your application not only by checking your credit reports for errors, but by working on your debts. Here are several tips to minimize your d

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    • Consolidate Your Bills: Having one payment for $400 will damage your credit less than having three payments of $133. Avoid closing accounts after you consolidate until after applying for a new mortgage loan.

    • Pay Down Your Credit Cards: If you have installment accounts with about a year to go, pay three or four months ahead. These debts will fall out of your qualifying ratios and off the mortgag

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