Florida residents who plan to buy a house will also find that there are benefits to having a good credit score. Unfortunately, this is where choices from the past can haunt a buyer. According to Bankrate, a better credit score leads to lower interest rates and the ability to borrow more money. Those who have a lower credit score can do a few things to help improve their score before they start the borrowing process.

First, borrowers should always make sure that their credit score and reports are accurate. According to credit.com, credit reports often have mistakes on them. Consumers should regularly check their credit scores from the three major credit bureaus: Equifax, Experian and TransUnion.

Second, around the time a borrower is considering buying a house, it is a good idea to limit the number of credit applications. Credit cards are offered at almost every major retailer, and it often seems like a good deal to apply for a new card. Every time a new application hits the credit report it can make a difference in the credit score.

Third, consumers can build credit by opening a secured credit card. This is the type of card that allows for credit to be offered in the amount that the person has placed in a bank on a line of credit. Even with bad credit, consumers can often get a secured card that helps show creditors a more responsible debt payment plan.

Finally, it is a good idea to create a strong credit age. If a family member has a long history of on-time payments, it may be worth it to be added to their account as an authorized user. Good credit scores typically have a history of five years and up, and those with no credit often have a hard time borrowing money.