I think the first step to building your credit is to find a good trustworthy credit monitoring company so you can see what needs to be improved on$.$ Once you see your current credit report you filter out the items that need to be worked on$.$ You can pay off certain things and pay down certain credit cards below the $50$ percent level and $35$ percent. Also maintaining a good credit payment each month is also vital. The things I would change in mine would be increasing certain credit limits so I would be under $50$ percent. I like to keep all my credit usage under $50$ percent. If I had a friend that$$s about to purchase a home, I would tell him to get his credit report and find out what his fico score is$.$ I would tell him about certain interest rates to look for and to try to increase his credit score as high as possible to get the best rates on his mortgage payments. To make the process smoother they would need a mortgage lender that would explain the details and walk them through the process. My friend can find out what he could afford after he gets approved by the bank that will tell him his maximum purchase limit$.$ My friend would then choose what he is comfortable with to pay for each month.

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