Texas Buyer Tool

Credit Score Improvement Roadmap

Tell us what's in your credit file. We'll prioritize the highest-impact actions to qualify for the best Texas mortgage rates and program eligibility.

Your inputs

Current credit score

Target score740+ unlocks best rates

Credit utilizationBalance ÷ limit across all cards

Late payments (last 24 mo)

I have a collection account on my reportThin file (fewer than 3 open accounts)

Hard inquiries (last 12 mo)

Projected score in ~3 months

662

+22 from today

High-impact actions

Total timeline

12 weeks

Your prioritized roadmap

Now~4 weeks · est. +15 pts
Drop credit utilization from 45% to under 10%
Utilization is ~30% of your FICO score. Pay balances down before the statement closes, not the due date. Spreading balances under 10% across all cards is the single fastest score lift available.
Soon~3 weeks · est. +12 pts
Pull all three reports and dispute every error
About 1 in 5 Americans has a reportable error. Pull from annualcreditreport.com and dispute any wrong balances, duplicate collections, or accounts that aren't yours. Bureau resolution: 30 days.
Plan~12 weeks · est. +10 pts
Keep oldest credit card open with light recurring use
Length of credit history is 15% of your score. Set a small autopay (Netflix, gym) on your oldest card and lock it in a drawer. Closing it can drop your score 20+ points.

Score projections are educational estimates based on FICO scoring factor weights (payment history 35%, utilization 30%, length 15%, mix 10%, inquiries 10%). Actual movement depends on your full credit file. Pull free reports at annualcreditreport.com.