I made a video so you don’t have to read a lot…I’m not much of a reader 🤷🏾‍♀️ **Your credit score is made up of 5 factors:** 1️⃣ **Payment History (35%)** 2️⃣ **Credit Utilization (30%)** 3️⃣ **Length of Credit History (15%)** 4️⃣ **New Credit (10%)** 5️⃣ **Credit Mix (10%)** **What score do you need to buy a home?** - FHA loan: 580+ (3.5% down payment required) - Conventional: 620+ (but 680+ gets you better interest rates) - Every 20 points can save you THOUSANDS over the life of your loan **Your homework:** Pull your credit reports at smart credit or at https://www.creditscorego.com if you know you will need to repair your credit for as little as $19. If that is too much, uou get one free report from each bureau (Equifax, Experian, TransUnion) every year. Pull all three and see where you stand. **Drop your score RANGE below** (no need to share exact numbers): - 300-579: Let's work on this together - 580-619: You're getting there! - 620-679: Almost home-ready - 680+: You're golden! Where are you at? 👇 💡 **Want to learn exactly HOW to improve each factor?** That's what I teach in 30 Points in 30 Days - week by week action steps that move the needle. [Link to course]

Hey there, and welcome to Mortgage Ready Academy! 🏡 I'm Shannon, and I'm SO glad you're here. Whether you're working on your credit, saving for a down payment, or already house hunting - you're in the right place. **Here's how this community works:** **Your first steps:** 1. Introduce yourself below! Tell us where you are in your journey 2. Watch/read the "Credit Score 101" post (coming right after this) 3. Engage! Ask questions, share wins, support each other **A little about me:** I'm a real estate agent AND financial literacy educator. I raised my own credit 115+ points in one summer, and I've helped hundreds of families go from "not yet" to "keys in hand." My mission? Make sure credit never stands between you and your dream home. Let's do this together! 💪 Shannon