Credit Score Improvement Roadmap
If your credit score is not where you want it, you are not alone. This page gives practical steps to improve credit and become mortgage-ready. This is educational information only. We do not provide credit repair services for a fee on this site.
Step-by-step roadmap
- Get your reports from all bureaus and review for accuracy.
- Reduce utilization (credit card balances compared to limits). This often helps quickly.
- Avoid new debt right before applying, unless part of a strategy we discuss.
- Dispute true errors (not accurate debts). Use documented disputes and keep records.
- Build positive history (on-time payments, stable accounts, low utilization).
If you are not sure what is hurting your score
Tell us what you see and we will suggest a practical plan. Expect a call from 352-988-4900 or 407-347-3420.