How One Client Raised Their Credit Score 92 Points in 60 Days
- By Jim Blackburn
- on
Client Profile:
- Name: Nia
- Age: 31
- Occupation: Freelance photographer
- Goal: Qualify for a mortgage without a co-signer
- Location: San Diego, CA
The Situation
Nia came to us excited to buy her first condo. She had good income, a stable 2-year track record, and $22K saved — but her credit score came back at 611.
That one number almost killed the deal. It limited her loan options, increased her rate, and raised her required down payment.
She didn’t need a miracle. She needed a plan.
The Game Plan
We reviewed her report and used the Mortgage Credit Boosting Toolkit to create a rapid strategy.
What we found:
- 3 credit cards over 85% utilization
- 1 late payment 11 months ago
- 2 collections under $300 each
- No recent credit-building activity
Action Steps Taken:
- Paid down card balances to under 10% of limit
- Opened a new secured credit card for $500
- Settled both collections and requested deletion
- Enrolled in Experian Boost (added utility + Netflix)
The Results (in 60 Days)
- Original Score: 611
- New Score: 703
- Increase: +92 points
- Outcome:
- Qualified for 3% down
- Interest rate reduced by 0.75%
- Saved ~$145/month on mortgage
Closed on a $420K condo without a co-signer
What Nia Said
“I thought I needed to wait a year to fix my credit. But I followed your playbook, and it worked way faster than I expected. I honestly cried when I got preapproved on my own.”
Takeaway for Readers
You don’t need “perfect” credit — but small changes can create big approval power. Most buyers have no idea how fast their score can shift when they use the right strategy.
Ready to Take Your First Step?
Skip the guesswork. Take our quick Discovery Quiz to uncover your top financial priorities, so we can guide you toward the wealth-building strategies that fit your life.
- Takes just 5 minutes
- Tailored results based on your answers
- No credit check required
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Buying a home soon? Complete our short form and we’ll connect you with the best loan options for your target property and financial situation—fast.
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