Services / Home Equity & Alternative / Credit Improvement
Your credit score affects which lenders you can use and what rates you'll pay. We review your credit with you, explain what's holding it back and build a practical plan to improve it — whether you're buying soon or down the road.
Credit Improvement at a glance
Guide
Review
Plan
Timeline
Goal
*Depends on your situation, the property and lender or program rules.
Clear communication at every step, so you always know what's happening next.
We review your credit report and score with you.
We identify the steps that will make the biggest difference.
You follow a simple plan — we check in along the way.
We review your options again as your credit improves.
A few key points we'll walk through with you before you make any decisions.
Keeping card balances below about 30% of your limits can make a noticeable difference.
On-time payments matter most. Setting up automatic minimum payments is an easy first step.
Mistakes on credit reports happen. You can dispute errors with Equifax and TransUnion for free.
Don’t see your question here? Give us a call — we’re happy to talk it through.
Many major lenders look for about 680 or higher, but there are options below that. We'll explain what's possible at your score.
Some changes, like paying down balances, can show up within a month or two. Rebuilding after bigger issues takes longer.
We can't remove accurate information, but we can help you understand it and dispute anything that's wrong.
This page is for general information only and isn’t financial advice. Mortgage rules, program limits and lender requirements change and depend on your situation; all financing is subject to lender approval. Koru Financial Group Inc. — FSRA Brokerage #12726.