Your credit score can have a significant impact on the interest rate you receive on your mortgage. Improving your credit score can take time, but there are several things you can do to help boost your score. Here are some best practices:

Pay your bills on time: Late payments can negatively impact your credit score. Make sure to pay your bills on time each month, including credit card bills, loans, and utility bills.

Keep your credit utilization low: Credit utilization is the percentage of your available credit that you're using. Aim to keep your credit utilization below 30% of your available credit limit.

Don't close old credit card accounts: Closing an old credit card account can decrease your available credit limit and shorten your credit history, both of which can negatively impact your score. Instead, consider keeping the account open and using it occasionally to keep it active.

Check your credit report regularly: Errors on your credit report can impact your score. Check your credit report regularly and dispute any errors you find.

Avoid opening too many new credit accounts: Opening too many new credit accounts in a short period of time can be seen as a red flag by lenders and can negatively impact your score.

Consider a secured credit card: If you're having trouble getting approved for a traditional credit card, consider a secured credit card. With a secured card, you put down a deposit which acts as your credit limit. Using a secured card responsibly can help build your credit over time.

Work with a credit counseling agency: If you're struggling with debt or managing your credit, consider working with a credit counseling agency. They can offer guidance and support to help you get back on track.

Remember, improving your credit score takes time and effort. But by following these tips and being responsible with your credit, you can improve your score over time.