Five fast moves that could add points where it matters most.

If you’re getting ready to apply for a mortgage — especially with less-than-perfect credit — even small score improvements can make a big difference.

👉 A higher score could mean:

• A lower interest rate
• A smaller down payment
• Better approval odds for FHA, Conventional, or Non-QM programs

The good news? You don’t need a year to fix your credit.
Here are five quick ways to boost your credit score in the next 30–60 days before applying.

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✅ 1. Pay Down Credit Card Balances

Your credit utilization (how much of your credit limit you’re using) is one of the biggest factors in your score.

Aim to:

• Get balances below 30% of the credit limit
• Ideally, below 10% for a bigger boost
• Avoid closing accounts — just lower balances

📘 This alone can raise your score by 20–60+ points in a matter of weeks.

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✅ 2. Dispute Inaccurate or Outdated Items

Many credit reports contain errors — and removing just one mistake can change your score.

Check for:

• Duplicate accounts
• Accounts that should be marked “paid”
• Collections that are medical and older than 7 years
• Fraudulent or unfamiliar activity

✅ You can file disputes online or with our help — and we can refer you to trusted credit partners if needed.

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✅ 3. Become an Authorized User

If a family member has:

• A long-standing credit card
• With a low balance and perfect payment history
• And is willing to add you as an authorized user…

It could give you a boost in average account age and score stability.

💡 It doesn’t require them to give you a card — just their permission.

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✅ 4. Stop Applying for New Credit (Now)

Hard inquiries can lower your score 3–10 points each — and more importantly, they can signal risk to lenders.

If you’re planning to apply for a mortgage:

• Avoid opening store cards, auto loans, or new credit lines
• Pause any “buy now, pay later” options
• Let your existing credit age and settle

📘 We recommend a 90-day “quiet period” before applying for a mortgage.

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✅ 5. Settle or Pay Off Small Collections (The Right Way)

If you have small collections:

• Paying them may raise your score, but only if they’re reporting actively
• Ask the creditor for a “pay for delete” (in writing) before paying
• Prioritize non-medical and newer accounts if possible

Not all collections hurt equally — we’ll help you identify which ones actually matter to your loan approval.

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🧠 Bonus Tip: Use a Mortgage-Friendly Credit Simulator

At PRMI, we offer:

• Soft credit pulls with no score impact
• Access to credit simulators that show what specific actions will boost your score fastest
• Advice on when to apply — and what to fix first

Don’t guess. We’ll show you the exact strategy to hit your goal.

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🏢 Why PRMI?

We work with buyers in every credit situation — and help you:

• Qualify with FHA (as low as 580 or 500 with 10% down)
• Improve your score before applying
• Know what’s worth fixing — and what isn’t
• Access loan programs that fit your real-life financial journey

We help credit-challenged buyers win with the right plan — not just wait.

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👇 Want a Fast Credit Boost Before Applying?

We’ll review your report, simulate quick improvements, and help you take the next step toward buying — even if your credit isn’t perfect yet.