Guide: preparing your credit to buy a house in the U.S.
The same playbook we use internally, written in plain language. Delivered by WhatsApp or email.
- How to pull all three reports free, on the official site
- The account-by-account inventory that exposes hidden errors
- How to write a dispute the bureau takes seriously
- Legal deadlines and what to do with each type of response
- Checklist of documents a lender will ask for
- Six signs of a non-compliant credit company
Get the guide
We send it by WhatsApp or email, whichever you prefer.
What is inside
Part 1 — Understand the terrain
The difference between report and score, why each bureau shows something different, and which number a lender actually uses.
Part 2 — Find the problem
The account-by-account inventory, the six most common error types, and how to tell whether your case is a dispute or a negotiation.
Part 3 — Act on solid grounds
Dispute structure, what to attach, where to send it, deadlines, and how to interpret each bureau response.
Part 4 — Prepare for financing
Minimum score by program, utilization, income documentation and the sequence up to pre-approval.
The guide is free and requires no purchase. If after reading it you want to do everything yourself, great — that is the point of publishing the method.
Start with a read of all three credit reports
Within one business day you get an honest read of your credit: what is an error, what is real debt, and what can change before you talk to a lender.
No charge to analyze. We work in English, Spanish and Portuguese.