# What is the fastest way to fix a 'borderline' credit score for a 2026 purchase?

> For borrowers sitting at 580-595, the goal is reaching the 600 insured threshold.

Category: Purchasing
Last verified: 2026-02-18
Source: https://ratellow.com/faqs/purchasing/what-is-the-fastest-way-to-fix-a-borderline-credit-score-for-a-2026-purchase

## Answer
### Section Summary

- Action: Pay cards down to 10% for 30 days.
- Result: Score often jumps 20-40 points within one billing cycle.
- Strategy: Avoid closing old cards; history length is 15% of the score.

## Related guide
- https://ratellow.com/guides/credit-score-mortgage-impact

## Sources
- Report on the Guideline on Existing Consumer Mortgage Loans | Canada.ca — https://www.canada.ca/en/financial-consumer-agency/programs/research/guideline-mortgage-loans.html#toc0