Here’s the truth: without a strong credit score, you could end up with higher rates, fewer options, and more stress. But raising your credit score is absolutely within reach – if you know where to start. And that’s why I’m sharing the ultimate game plan to help you boost your score and achieve your homeownership goals.


With 20+ years in the business, I’ve seen it all – and I’ve invested over $10,000 in courses to master these strategies so you don’t have to. Today, I’m laying out the exact steps, tools, and insider tips to elevate your credit score and unlock the door to better mortgage terms.

Credit scores aren’t just random numbers – they’re calculated based on specific factors that lenders look at closely:

- Payment History (35%): Pay on time, every time. Lenders want to see that you’re reliable with payments.

- Credit Utilization (30%): How much credit are you using compared to your limit? Aim for 10%-25% of your available credit.

- Length of Credit History (15%): Older accounts give you credibility. Avoid closing your oldest accounts.

- New Credit (10%): Multiple credit inquiries can signal risk. Keep applications to a minimum.

- Credit Mix (10%): A blend of credit types – like credit cards, car loans, and mortgages – can help your score.

Boost Your Score with Proven Tools and Tactics

These are the tools that can help you build a strong, consistent credit profile. Each one has been carefully selected because it works:

Experian Boost
Adds utility and telecom payments to your Experian report, which can give your score a nice lift if you’re making consistent payments.

eCredable Lift
Similar to Experian Boost, but focused on TransUnion. It reports cell phone, utility, and internet payments to build a better score.

Self Financial
A powerful tool that reports rent, cell phone, and utility payments to all three bureaus. This tool is a must if you’re looking to add positive payment history without relying on traditional credit cards or loans.

CreditRentBoost.com
Reporting rent payments can significantly improve your score. If you’re renting, make every payment count!

Authorized User Strategy
Becoming an authorized user on someone else’s credit card allows you to “borrow” their positive payment history. Just make sure it’s someone with solid credit habits.

Pro Tips: Practical Steps to Improve Your Credit Quickly

Let’s take your score from average to excellent with these targeted strategies:

Optimize Your Credit Utilization
Keep your credit card balances low – between 10% and 25% of your credit limit. High balances can hurt your score, but staying in this range shows responsible usage.

Set Up Payment Reminders or Automatic Payments
Even one missed payment can tank your score, so avoid this at all costs. Use alerts, reminders, or even automate payments to stay on top of it.

Handle Collections the Right Way
Paying collections doesn’t always boost your score. In fact, sometimes it can even hurt it if the status updates to “paid” but the collection remains. Instead, request a “pay-for-deletion” agreement with the creditor, which can remove the negative mark entirely.

Monitor Your Progress Consistently
Don’t just set and forget – check your score regularly to see improvements. MyFICO is a valuable tool here, offering precise updates and alerts on any changes to your report.

How to Tackle Common Credit Challenges

Too Many New Accounts?
Space out your credit applications and avoid opening several accounts at once. Every inquiry affects your score, so be selective.

Issues with Revolving Debt?
Focus on regular payments and maintaining low balances. Avoid maxing out credit cards, and pay off high-interest debts first to reduce your balance faster.

Timing Your Payments
Did you know that paying off your balance right before creditors report to the bureaus can help your score? Contact your creditors to learn their reporting dates and align payments for optimal impact.

Quick Wins You Can Implement Today

Let’s get tactical. These quick wins are straightforward, but they’re effective:

Sign Up at CreditRentBoost.com
Reporting rent payments might be the simplest way to add positive history to your credit report.

Get on a Secured Card with Chime
Chime offers secured credit cards that help build your credit profile, provided you keep balances low and pay on time.

Focus on Paying Down Small Balances
Paying down your smallest balances can have a positive impact on your utilization rate, which can give your score a boost.

Work on High-Credit Utilization Accounts First
​Identify accounts where your utilization is over 30% and start there. Reducing these will have a noticeable effect on your score.

Ready to Take Your Score to New Heights?

If you’re serious about unlocking your financial potential and ready to see real progress, I’d love to help you make it happen. Text me at 615-955-0461 or visit KeithGo.com. And don’t forget to tune in to my latest podcast episode on Apple Podcasts – I’m diving deep into credit strategies and sharing actionable insights you can start using now.

Let's Do This Together

Don’t let your credit score hold you back from the life and home you deserve. With these strategies, tools, and my guidance, you’ll be prepared to raise your score, gain financial confidence, and access better mortgage options. Let’s make 2024 the year you transform your financial future.

See you at the top,

​- Keith Goeringer