Credit Score Rebuilt From 665 to 742 in 11 Months

The challenge

A homebuyer had two old collections (paid), high utilization (78%), and a thin file. Mortgage lender said 720+ was needed for the best rate.

Our approach

• Disputed two inaccurate collection items — both removed in 35 days.
• Paid down revolving balances below 9% utilization across all cards.
• Added two secured tradelines reporting to all three bureaus.
• Coached on micro-payment timing to manipulate statement cuts.
• Added client as authorized user on a parent's 18-year, 0% utilization card.

The outcome

Score moved 665 → 742 over 11 months. Mortgage approved at 6.1% instead of 7.2%, saving ~$340/month on a $385K loan.