Mortgage readiness
Credit repair should have a mortgage objective, not a generic score objective.
The goal is not simply a higher score. The goal is to remove preventable underwriting friction, improve pricing flexibility and build a timeline that supports a future purchase.
What this path is designed to solve.
Use the program page for education. Use the purchase analyzer for the actual property decision.
Read all three reports
Find inaccurate data, utilization pressure, recent lates and unresolved collections before the mortgage pull.
Prioritize utilization and payment history
Do not chase every point equally. Focus first on changes that can affect mortgage readiness and documentation.
Re-test buying power
When credit, debt or cash changes, re-run the property or buying-power analysis so the plan stays connected to a purchase decision.
Readiness pulse
Build before you apply
Your next actions will appear here.
Planning score0/100
Credit band-
Utilization-
DTI-