Banks require a clear credit record before they will consider approving your home loan application. However, a good credit record can’t be achieved overnight. If you are considering buying a house, you should do what you can right away to improve your score. The best way to be financially fit is to pay your bills on time and in full. It’s simple really: to ensure a good credit record, don’t get into more debt than you can afford, and then make sure you pay it all back.