Credit repair for a HELOC or cash-out refinance.
Millions of homeowners are sitting on equity they can't touch because a collection, a few late payments or a maxed-out card put their score under a lender's cutoff. Most HELOC lenders look for 680+; cash-out refinances price far better above 680 and 720. We get your reports accurate and your score into the range where lenders say yes.
- Soft inquiry only — your score doesn't move
- Free three-bureau review and written plan
- Bonded under Florida law; fees quoted in writing
What home-equity lenders look at.
- Credit score — commonly 680+ for a HELOC, 620+ for FHA cash-out, with pricing tiers at 680, 700 and 720.
- Mortgage payment history — any 30-day late in the last 12 months is often disqualifying.
- Combined loan-to-value (CLTV) — usually capped at 80–85% of your home's value.
- Debt-to-income ratio, which improves as high-rate balances are paid off with the proceeds.
How CreditFixScore gets you ready.
- i
Free review
Every negative item from Equifax, Experian and TransUnion, sorted: dispute vs. strategy.
- ii
Disputes
Item-specific disputes and debt-validation requests, with documentation, to each bureau and furnisher.
- iii
Approval plan
Utilization targets, what to pay and what not to pay, in the order that moves your score fastest for this approval.
- iv
Results by round
Bureaus answer within 30 days. Every response lands in your portal; fees are held in escrow until the work is complete.
Questions, answered honestly.
What credit score do you need for a HELOC?
Most lenders want at least 680, and the best rates require 720–740 or higher. A few lenders accept 620–660 with lower loan-to-value and higher rates. FHA cash-out refinances accept scores from 580–620 depending on the lender.
How long does it take to get HELOC-ready?
Typically 60–120 days: one or two dispute rounds for inaccurate items plus a utilization pay-down that reports in the next statement cycle. Tell us your target date on the application.
Does CreditFixScore offer home equity loans?
No. CreditFixScore is a credit repair and advisory service only and is not paid by any lender. When your credit is ready you can apply with any bank or broker, and we give you a written summary of what changed on your reports to bring to that conversation.
Will consolidating debt with equity raise my score?
Paying revolving balances with a home-equity loan usually lowers utilization sharply, which is often the single biggest score factor you can change in one month. The exact change depends on your file.
Working toward something else?
See what's blocking this approval — free.
Three-bureau review, a call with a strategist, and a written plan. No obligation.
Apply Now Call 888-29-MYSCORE