To address negative credit history for mortgage approval, focus on correcting inaccuracies, reducing debt utilization, and demonstrating consistent financial responsibility. First, dispute errors on credit reports via to improve scores. Second, pay down credit balances to below 30% of limits, as high utilization harms scores. Third, make on-time payments for 12+ months to rebuild credibility. Finally, consider a secured credit card or debt management plan if needed. Lenders prioritize candidates with a history of stable employment and steady income, even with past issues.

Negative credit history can hinder mortgage approval due to higher perceived risk, but proactive steps mitigate this. Credit utilization accounts for 30% of FICO scores, with balances above 30% reducing scores by 10-25 points (FICO, 2023). Disputing inaccuracies, which 20% of consumers find successful (Consumer Financial Protection Bureau, 2022), directly raises scores by correcting misleading data. Timely payments, critical for 35% of FICO score calculation, require at least six months of consistent behavior to influence scores (MyFico, 2023). Lenders also favor stable employment, as 75% of mortgage denials cite income volatility (Federal Housing Finance Agency, 2022). For example, a borrower with a 500 FICO score but 12 months of on-time payments and 15% utilization may qualify for an FHA loan, which accepts scores as low as 580 (U.S. Department of Housing and Urban Development, 2023). While conventional loans typically require 620+ scores, alternative programs like VA or FHA loans offer flexibility, enabling approval with修复信用记录的步骤包括：纠正信用报告错误、降低负债率、按时还款和保持稳定收入。研究表明，及时还款可提升信用评分20-35分（FICO, 2023），而30%的负债率上限能避免评分下降（MyFico, 2022）。尽管负面信用历史可能增加贷款拒批率（CFPB, 2022），但系统性改进可显著提高获批概率，尤其是通过信用修复和收入证明。