Credit education
Use these guides to understand what moves the needle.
- What impacts your score (payment history, utilization, age, mix, inquiries)
- How to lower utilization the right way
- When disputes make sense — and when they don’t
- How to prepare for a mortgage timeline
Starter checklist
- Pull your reports and identify top negative items
- Confirm personal info consistency across bureaus
- Set all accounts to autopay minimums (avoid missed payments)
- Create a utilization plan (target under 30%, better under 10%)
- Book a consultation for a customized strategy