Your Complete Home-Ready Journey

Step 1: Credit Analysis

Review your credit reports and identify areas for improvement

Step-by-step guide to obtaining your free annual credit reports from all three bureaus safely and securely.

Learn to identify common errors that hurt your credit score and understand your rights under federal law.

Step 2: Dispute & Correct

Remove errors and negative items through strategic disputes

Master the art of writing compelling dispute letters that get results from credit bureaus and creditors.

Understand the 30-day investigation process and what to expect when disputing credit report errors.

Step 3: Optimize Utilization

Reduce credit card balances and optimize utilization ratios

Learn advanced strategies to keep your credit card utilization below 30% and maximize your credit score impact.

Complete guide to 0% APR balance transfers to eliminate high-interest debt and improve utilization.

Step 4: Debt Resolution

Negotiate settlements and payment plans with creditors

Effective techniques for negotiating payment plans and settlements with creditors and collection agencies.

Learn how to negotiate pay-for-delete agreements to remove collections from your credit report.

Step 5: Build New Credit

Establish positive payment history and diversify credit mix

Complete guide to using secured credit cards to build positive payment history and improve credit mix.

Understand how credit builder loans work to build credit while saving money automatically.

Step 6: Achieve Homeownership

Get pre-approved and secure your mortgage with improved credit

Everything you need to know about getting pre-approved for a mortgage with your improved credit score.

Complete guide to FHA loan requirements, including credit score minimums and down payment options.

Comprehensive guide to Michigan homebuyer assistance programs offering down payment help and grants.