Correcting errors is only part of the work. How you use your remaining accounts — utilization, account age and the timing of new applications — largely decides whether scores hold up when you apply for a mortgage or car loan.
Common situations
- Cards close to their limits
- Too few accounts or a short credit history
- Uncertainty about when to apply for a loan
Our approach
- Review utilization, account ages and credit mix
- Provide specific repayment and card-use guidance
- Plan application order around your loan timeline
- Deliver a written plan at closing
What to prepare
- Credit limits and statement dates for each card
Official references
Frequently asked questions
What credit utilization should I aim for?
Lower is generally better. Many lenders and educators suggest keeping overall and per-card utilization below 30%, and lower still in the months before a major application. The balance on your statement date is usually what gets reported.
Should I close old credit cards?
Closing a card can raise utilization and, over time, reduce the average age of your accounts. Consider annual fees and your loan timeline before closing anything.
Can you give me a new credit identity or a CPN?
No. Using a “CPN” or another number in place of your Social Security number on credit applications can be illegal. We only work with your own credit file.
Accurate, verifiable records may legally remain. We do not guarantee removal or any specific score. You may also dispute errors directly with the credit bureaus for free.
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