Lead Magnet · Credit Health Checklist
The Credit Booster Checklist
A real, interactive credit roadmap calibrated to where you are today. Drag the slider to your actual score and get a tier-specific monthly playbook.
Built by Tyler Shearer — NMLS #1717959 · Gesa Credit Union
Rate Disclaimer: All interest rates, APRs, and payment examples shown are for illustrative purposes only and are subject to change without notice. Actual rates depend on credit score, loan amount, loan-to-value ratio, property type, and other factors. Rate quotes are not a commitment to lend. Contact Tyler Shearer for current rates and a personalized quote. NMLS #1717959.
What is credit, really?
Mortgage lenders don't look at credit as one number — they look at three different shapes of debt that each tell a different story. Understanding which bucket your accounts fall into is the difference between guessing why your score moved and knowing.
540 to 760+ — what each tier really means
Your three-digit score isn't just a vibe — it's the gate to specific loan programs and rate tiers. Here's the mortgage lens on each range. Unlock the interactive roadmap below to see your tier-specific monthly playbook.
Below the FHA floor for most lenders. Focus on rebuilding basics — disputing errors, on-time streaks, secured-card history — before applying. A 6–12 month rebuild plan is realistic with the right moves.
FHA programs become available at 580 with 3.5% down. Conventional programs typically start at 620. Rates are higher and PMI is required — but you're in the door. Targeted utilization moves can push you over 700 in 90 days.
Most loan programs available. Better rate tiers start opening up. The push from here to 740 is the most valuable 20-point gain in the entire credit ladder — it unlocks the best standard rate tier and meaningfully drops PMI.
740 is the key threshold — most lenders' best pricing tiers start here. Jumbo loans become accessible. PMI rates drop. Construction and investment property financing have better terms. Maintenance and pre-application protection become the priorities.
Every program available at the best rates on the board. Focus shifts from improving the score to protecting it and rate-shopping aggressively in a 14-day window. Down payment strategy and loan structure matter more than credit at this point.
Want me to walk you through your specific situation?
A 30-minute mortgage review is the fastest way to turn this checklist into a real timeline — including the exact accounts to focus on first and what your specific score unlocks.