: Consistently making on-time mortgage repayments is the most powerful way to build a high credit score over time.
: Applying for a mortgage triggers a "hard" credit check, which usually drops your score by 5 to 15 points instantly. does buying a house hurt your credit
Buying a house does cause a small, temporary dip in your credit score, but it typically strengthens your credit profile in the long run. Short-Term Impacts (The "Dip") : Consistently making on-time mortgage repayments is the
: Refrain from applying for new credit cards or car loans at the same time as your mortgage, as this can amplify the score drop. temporary dip in your credit score