Credit repair to buy a house — mortgage-ready, on your timeline.
A mortgage is the one approval where a few points on your score change the next 30 years of payments. FHA lenders generally require 580; conventional loans start at 620 and price much better above 680 and 740. We get your reports clean and accurate before a lender pulls them.
- Soft inquiry only — your score doesn't move
- Free three-bureau review and written plan
- Bonded under Florida law; fees quoted in writing
What mortgage lenders look at.
- The middle of your three FICO scores (and the lower middle score of two borrowers) — not the number in a banking app.
- Late mortgage or rent payments in the last 12–24 months — these can be disqualifying on their own.
- Collections, judgments and charge-offs, especially anything over $1,000 or tied to housing.
- Credit utilization — balances over 30% of your limits cost points you can get back quickly.
- Recent inquiries and new accounts, which also affect your debt-to-income ratio.
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 to buy a house?
FHA loans require a 580 score for the minimum 3.5% down payment (500–579 with 10% down). Conventional loans require 620, and VA loans have no official minimum though most lenders use 580–620. Pricing improves at 680, 700, 720 and 740.
How many points can credit repair add before a mortgage?
It depends entirely on what is wrong with your reports. Removing an inaccurate collection or correcting a wrongly reported late payment can move a score 20–100 points; paying balances under 30% utilization often adds more. We do not guarantee any specific increase.
Can I get pre-approved while my credit is being repaired?
Usually, yes. Ask any lender for a soft-pull pre-qualification so the check does not affect your score, and send us the result or any denial notice — it tells us exactly which items to prioritize so your file is ready when you apply for real.
Should I pay off collections before applying for a mortgage?
Not always. Some lenders ignore medical collections and small balances; others require paid or settled collections over a threshold. Paying a collection without a plan can also refresh the account's activity. We map this out item by item during your free review.
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