Credit help
We are a mortgage broker, not a credit repair company, and we do not charge for credit help. We will show you the score your loan needs, the fastest honest moves to get there, and when you can expect to be ready. If you need hands-on credit repair, we will point you to a trusted resource and stay in touch until you are ready to buy.
Not sure where you stand? Take the 5-question credit check.
Before anything else
Free tools
Everything you type here stays in your browser. Nothing is sent to us unless you ask for a review below.
What actually works
How much of your available credit you are using is one of the biggest factors in your score, and it can change within one statement cycle. Pay before each card's statement closing date, keep old cards open, and leave a small balance on one card.
Duplicates, wrong balances, accounts that are not yours, and items older than the seven-year reporting limit can be disputed with the bureau or the company that reported them. Specific, documented disputes work. Generic template letters usually do not.
An open dispute on your report can hold up a mortgage approval. Resolve it, or have the dispute note removed, before a lender pulls your credit.
Avoid opening new cards, financing a car, or closing old accounts in the months before you apply.
Late payments fade, and bankruptcies and foreclosures have set waiting periods. Knowing your date turns "someday" into a plan.
Where we come in
We start with your goal and your situation. You do not need to apply, and we will not pull your credit without asking first.
The score your loan needs, the moves most likely to get you there, and a realistic date.
If your report needs hands-on credit repair, we will point you to a trusted resource.
We keep your file open, check in along the way, and tell you when it looks like you are ready. You are never obligated to get your loan through us.
Common questions
No. We are a licensed mortgage broker, not a credit repair company, and we do not charge for credit help. We show you the score your loan needs and the fastest honest path there, and if you need hands-on credit repair we will point you to a trusted resource.
It depends on the loan. FHA's program line is 580 for 3.5% down, and 500 to 579 may qualify with 10% down. Many lenders set their own higher floors, and conventional loans commonly start around 620. VA and USDA set no program minimum, but lenders do. We can shop lenders whose rules fit your file.
Usually not. Mortgage lenders pull all three bureaus and use the middle score, most often from older FICO versions. Apps often show a different model, and the two can differ by tens of points.
Lower card balances can show within one statement cycle. A dispute of a genuine error takes 30 to 45 days per round. Some items, like late payments or a bankruptcy, mostly need time. We will tell you which applies to you.
Not without a plan. Under the scores most mortgage lenders use, paying a collection does not raise the score by itself, although some loan programs have their own rules about open collections. Ask us before you pay anything old.
Often, yes, after a waiting period that depends on the loan type and the event. FHA, for example, generally waits 2 years after a Chapter 7 discharge. Use the calculator on this page to see your dates, then we will confirm them.
This page is general education, not a commitment to lend, financial advice, credit repair, or a guarantee of approval, rate, or term. Minimum scores and waiting periods are set by each loan program and by individual lenders, and they change over time. All loans subject to credit approval; not all applicants will qualify.
Get started
Tell us your goal and where things stand. We will tell you honestly what your loan needs and how to get there, with no pressure and no application required.
