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Credit Help

Your credit score is the key that unlocks homeownership. Whether you're building credit for the first time or working to improve your score, we're here to guide you every step of the way.

7 Ways to Improve Your Credit Score

Small, consistent steps can lead to big improvements over time.

1

Make On-Time Payments

Payment history represents 35% of your FICO® Score — the single biggest factor. Set up autopay for at least the minimum payment and use calendar reminders to never miss a due date.

Tip: Experian Boost® lets you add utility, rent, and subscription payments to your credit file.

2

Pay Down Revolving Balances

Your amounts owed account for 30% of your score. Keep your credit utilization — the percentage of your credit limit you're using — as low as possible. Consider making multiple payments per month to keep balances down.

3

Don't Close Your Oldest Account

Length of credit history makes up 15% of your score. Closing old accounts raises your utilization ratio and shortens your history. Keep old cards active by putting a small recurring charge on them.

4

Diversify Your Credit Types

Credit mix accounts for 10% of your score. Having a combination of credit cards, auto loans, and installment loans shows lenders you can manage different types of debt responsibly.

5

Limit New Credit Applications

Hard inquiries and new accounts make up 10% of your score. Each hard inquiry can reduce your score by up to five points. Only apply for credit when you truly need it, and use prequalification tools that involve soft inquiries instead.

6

Dispute Inaccurate Information

Errors on your credit report can drag your score down. Review your free credit reports regularly and dispute any inaccuracies with the credit bureaus. Disputes are typically resolved within 30 days.

7

Become an Authorized User

Ask a trusted family member or friend to add you as an authorized user on their credit card. Their positive payment history and credit limit can immediately boost your score — especially if you're new to credit or rebuilding.

Check Your Credit Score for Free

Knowing where you stand is the first step. Get your free credit report and score through Experian — no credit card required.

Get Free Credit Report AnnualCreditReport.com

Frequently Asked Questions

Common questions about building and rebuilding credit.

How long does it take to rebuild credit? +
The timeline varies depending on the extent of the damage. Negative items can remain on your credit reports for 7 to 10 years, and it will take longer to recover from serious events like bankruptcy, debt settlement, foreclosure, or loan default. However, by consistently following credit improvement steps — making on-time payments, paying down balances, and limiting new applications — you may start seeing significant improvement within a few months to a couple of years.
How do I establish credit if I'm new or young and have none? +
If you're building credit from scratch, there are several great options. Ask a trusted family member to add you as an authorized user on their credit card — this is one of the fastest ways to start building a score. You can also apply for a secured credit card or a starter credit card on your own, or open a credit-builder account through your bank or credit union. The key is to start small, make every payment on time, and keep your balances low.
What credit score do I need to buy a home? +
It depends on the loan program. FHA loans typically require a minimum score of 580 (or 500 with 10% down). Conventional loans generally need 620 or higher, with the best rates at 700+. Some of our special programs, like MACU and East West Bank, require a 660 minimum. Reach out to us and we'll help you find the right program for your situation.
Does checking my own credit hurt my score? +
No. Checking your own credit is considered a “soft inquiry” and does not affect your score. You can check your credit report and score as often as you like without any negative impact. In fact, monitoring your credit regularly is one of the best habits you can build.
Can I buy a home with an ITIN and no credit history? +
Yes. Some of our partner programs, such as MACU and East West Bank, accept ITIN borrowers. Even if you don't have a traditional credit history, there may be options available to you. Contact us to explore programs designed for ITIN holders and first-time buyers.

Need Help With Your Credit?

We'll walk you through your options and connect you with the right resources to get you on the path to homeownership.

Get Started

Is this your first home purchase?

This helps us connect you with the right programs and resources.

✅ Yes — first-time buyer
🔄 No — I've purchased before

What's your budget range?

A rough range is fine — this helps us narrow the search.

🏡 Under $400K
🏘 $400K – $600K
🏢 $600K – $900K
⭐ $900K+

Are you pre-approved for a mortgage?

If not, no worries — we can help connect you with a lender.

✅ Yes, I'm pre-approved
📝 Not yet — I need help with this
💵 Cash buyer — no mortgage needed

Let's set up a quick call

Enter your info and we'll book a free 15-minute buyer strategy call.

Pick a time that works for you

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📞 Call Jesus — (360) 851-1793