Opening new credit lines in the 6–12 months before a mortgage application can trigger "hard inquiries" that lower scores.
: This feature provides a "Safe Zone" countdown. If a user tries to apply for a new store credit card or car loan, the app sends an alert warning them of the potential negative impact on their upcoming mortgage approval. Приложение «LoanReady - App Store - Apple improving credit score to buy a house
Since on-time rent and utility payments aren't always automatically reported, this feature acts as a . Opening new credit lines in the 6–12 months
: It verifies rent and utility payments through linked bank accounts and uses services like Experian Boost or VantageScore 4.0 to report these positive behaviors to the bureaus, potentially boosting scores by up to 100 points. 4. Hard Inquiry "Safe Zone" Guard Приложение «LoanReady - App Store - Apple Since
: Users select a target loan type (e.g., FHA, Conventional, VA) and the feature sets a specific "Target Credit Score" goal (e.g., 620 for conventional or 580 for FHA).