1. Keep utilization under 10% Not 30%. Not 20%. Low utilization drives your score up faster than anything else. 2. Pay on the statement close date, not the due date Issuers report your balance on the close date. If you wait until the due date, your score still gets hit by a higher reported balance. 3. Never take a 30-day late One late payment can tank your score for years. Autopay is your friend. No excuses. Do these three consistently and your credit will jump! If you want the full play on buying power, rehab loans, and how credit impacts approvals, comment Bootcamp to join the Rehab Mastery Bootcamp starting January 12-16th. #mgthemortgageguy #credit #mortgage