Get Credit-Ready 


Fix. Build. Prepare. Buy.

Take the mystery out of credit repair and get the tools you need to qualify for a home loan with confidence.  



Your credit doesn’t define your future - but it does impact your ability to buy a home. At Mortgage Solutions of Georgia, we guide you step by step through improving your credit so you can unlock better loan options, lower rates, and a smoother path to homeownership.

Why Credit Matters in Home Buying

  • Better credit = better rates
  • Lenders look for consistency, not perfection
  • Even small improvements can mean thousands saved


    • Key Steps to Build Credit

    • Pay everything on time. Set reminders or autopay so you never miss a bill.

    • Start small. If a regular credit card is hard to get, apply for 2–3 secured credit cards from a local bank or credit union. Avoid gimmicky accounts like Fingerhut or Kickstart.

    • Use less than 30% of your credit limit each month. Example: on a $1,000 card, stay under $300. Pay off balances in full whenever possible.

    • Don’t close old accounts. A longer credit history helps your score.

    • Check for mistakes on your credit reports at www.annualcreditreport.com and dispute any errors.

    • Be added as an authorized user on a trusted family member’s or partner’s card. Their good credit history will help you.

    • Don’t apply for too many accounts at once. Each new inquiry can lower your score slightly. • Be patient. Credit improves steadily with consistent good habits, not overnight.

    Helpful Resources

    --> Watch: Secrets of Building Credit with Dave Tallman video above (Owner of Mortgage Solutions of Georgia) 

    -->Explore more videos and guides: www.msoga.com


    -->Track your progress with a free Credit Karma account: www.creditkarma.com 


    -->Read: How to Build Credit With and Without a Credit Card – NerdWallet


    -->Read: How do I get and keep a good credit score? – Consumer Finance (Be sure to watch the video at the end of the article and read the four articles linked at the bottom of the page.)


    --> Read: Ways to Improve Credit – Experian


    By law, you can get a free credit report each year from the three credit reporting agencies (CRAs). These agencies include Equifax, Experian, and TransUnion.
    AnnualCreditReport.com is the only website authorized by the federal government to issue free, annual credit reports from the three CRAs. You may request your reports:
    For another great Government backed credit resource. An official website of the United States government



    Remember: Building credit is a journey. Every on-time payment, every low balance, and every positive step you take moves you closer to the keys of your new home. Stay the course—we’ll be here cheering you on every step of the way!


    Simple Steps to Improve Your Credit

  • Review your credit report for errors
  • Learn how to reduce debt strategically
  • Build positive credit history
  • Avoid common mistakes before applying
  • Access free tools + video guides