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
Your prioritized roadmap
- Now~4 weeks · est. +15 ptsDrop 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 ptsPull 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 ptsKeep 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.
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