Your mortgage approval and your interest rate hinge on a score most buyers never see — the middle FICO lenders actually pull. We help you clean it up before you apply, not after you're denied.
This is the trap that catches first-time buyers: you check Credit Karma, see 690, and think you're ready. Then the loan officer pulls a tri-merge report and your middle mortgage score comes back at 640 — because lenders use older models (FICO 2, 4, and 5) that weigh collections, medical debt, and utilization far more harshly than the VantageScore on free apps.
That gap is the difference between an approval and a denial, and between a great rate and one that costs you tens of thousands over the life of the loan. Our job is to close it before you sit down with a lender.
We look at the same FICO 2/4/5 middle score a lender will — so there are no surprises at the closing table.
Collections, charge-offs, late payments, and reporting errors that are inaccurate or unverifiable get disputed and removed under the FCRA.
We map a plan to get revolving balances into the right range and strengthen the factors that move a mortgage score fastest.
Changes report on cycles. We sequence the work so your best score lands when your lender pulls — not a month later.
The items that scare underwriters most — disputed and removed where they're inaccurate or unverifiable.
Revolving balances are one of the fastest score levers. We help you get them into lender-friendly territory.
Wrong balances, duplicate accounts, and mixed-file mistakes that quietly suppress your middle score.
Recent lates hit hardest. We pursue removals and goodwill adjustments where the file supports it.
Not enough history? We map a plan to build depth lenders will respect — without risky shortcuts.
We aim for the next pricing tier so you don't just qualify — you qualify at a better rate.
The best time to repair credit is before you fall in love with a house. Disputes run on 30-day federal cycles, so give yourself a 3–6 month head start to remove errors and let positive changes report.
It depends on the loan. FHA can go as low as 580 (sometimes 500 with more down), while conventional loans typically want 620+. But the number that matters is your middle mortgage FICO across all three bureaus — not your Credit Karma VantageScore. See what counts as a good score in 2026.
Mortgage lenders pull older FICO models — 2, 4, and 5 — which treat collections, medical debt, and utilization more harshly than the VantageScore 3.0 on free apps. A 30–60 point gap is common.
Ideally three to six months before you apply. Disputes run on 30-day cycles and lenders want to see stability, so starting early gives time to remove errors and let positive changes report.
Yes. Mortgage pricing is tiered by score band — moving from 660 to 720 can meaningfully lower your rate, which over 30 years can mean tens of thousands in savings. Learn the utilization ratio that moves scores fastest.
Book a free strategy call. We'll pull your mortgage-model score, show you exactly what's holding it back, and build a timeline to your approval.
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