OVERVIEW
Almost Ready Isn't Ready
Our client had income, savings, and discipline — but only two accounts on file, cards nearly maxed from moving costs, and a single 90-day late from three years back dragging everything down.
The Challenge
Mortgage pricing tiers punish even small score gaps. The client needed to cross into the next tier without opening new accounts at the wrong moment — new inquiries right before application can backfire.
Our Approach
We goodwill-campaigned the aged late payment, redistributed balances to crush utilization before statement dates, added the client as an authorized user on a seasoned family card, and timed the lender pull for the cycle after corrections posted. No new debt, no guesswork.
