Focus on the three biggest levers: lower utilization to under 10%, remove inaccurate negatives through disputes, and add positive tradelines like rent reporting if you have a thin file. Avoid all new credit applications during the 90 days before your mortgage. Here at Credisure Fix, we run the full pre-mortgage credit optimization in a single session so you qualify for the best rate available.
Understand the next steps
Explore these related guides for more detail, practical considerations, and sources.
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