By Tres Miller · Mortgage Banker · NMLS #217768
Reviewed June 21, 2026 · Lending in Utah since 1995 · Professional history
Published June 21, 2026 · Updated June 21, 2026 · 5 min read
The Three Levers
- Lower utilization — get every revolving balance below 10% of its limit
- Dispute inaccuracies — late payments, collections, balances
- Stop new credit pulls — no new accounts 60–90 days pre-application
Realistic Gains
- 30 days: 10–40 points from utilization drops
- 60 days: another 10–30 from disputes resolving
- 90 days: aged tradelines and rapid rescores can add more
What NOT to Do
- Don't close old credit cards — they anchor your history
- Don't pay off old collections without a removal letter
- Don't consolidate balances onto one card
We walk Utah buyers through this every week. Call 435-229-9797.
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