Credit Improvement
A 30–90 day plan to qualify for a better Utah mortgage.
Lower utilization, dispute inaccuracies, stop new credit pulls — small changes, big rate savings.
The three biggest score drivers
- Payment history (35%) — every account on time, every month.
- Utilization (30%) — keep revolving balances below 10% of the limit.
- Account age (15%) — don't close old accounts.
What we'll do together
- Pull a tri-merge credit report and identify the highest-impact moves.
- Map a 30, 60, and 90 day plan with realistic point gains.
- Dispute inaccuracies and time rapid rescores around your purchase.
What NOT to do
- Don't close old credit cards.
- Don't pay off old collections without a removal letter.
- Don't open new credit 60–90 days before applying for a mortgage.
Ready to take the next step?
Talk to TRES — straight answers, real options, no pressure.