Fast Credit Score Fixes to Get the Best Mortgage Rates

With homes at near-bottom prices and mortgage rates at historic lows, a lot of consumers are jockeying to get into the homeowners market or to refinance their standing loan. But there's one catch: Getting approved for today's best mortgage products relies mostly on your credit score. In addition, mortgage lenders are digging deeper than ever into homebuyers' credit reports, studying not only credit-card spending habits but ordinary bill-paying consistency and debt-to-income ratios. Here's how to