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Do this NOW to Strengthen Your Credit Profile 1. Check all three credit reports (Experian, Equifax, TransUnion). I have a free link on my site ( www.michellewcofer.com) 2. Dispute inaccuracies and pay down revolving debt below 30% utilization. If you have negative items and need credit repair, ask about my FALL PROMO OFFER. 3. Avoid new credit inquiries or large purchases — lenders prefer stability. 4.Aim for a 640–680 credit score for most traditional loans; 620 is often the FHA minimum. Get th
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