Pick where your credit is today and the month you want to buy. Get a month-by-month checklist with real dates.
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Time you have to build
0 months
Usual time for your situationestimate—
Earliest first FICO score(account open 6 months)—
Your band(FICO 8)—
Next mortgage line—
This plan does not predict how many points you will gain. Every file is different. Only FICO, VantageScore and the 3 bureaus calculate the real score.
Your month-by-month checklist
0/0done
Common myth: "Experian Boost will raise the score my lender sees." Boost can change your Experian FICO 8, but Experian itself says most mortgage lenders do not use Boost-affected scores. For a mortgage, on-time payments and low card balances are what count.