The 500-to-790 Mortgage-Ready Credit Plan

Phase-by-phase plan, 12-month tracker, dispute letter, and the pre-approval checklist.

• Score floors for FHA, VA, USDA, and conventional loans
• Four phases from 500 to 790, each with an exit test
• A printable 12-month score and utilization tracker
• A fill-in-the-blank dispute letter template
• The 120-days-before-you-apply do-not list and document checklist

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