Your Journey
Track your path
to homeownership.
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The roadmap
Credit score milestones that matter
Each threshold unlocks something real — a loan type, a grant, a better rate. Here's exactly what you're working toward.
580
FHA Eligible
Qualify for FHA loans with as little as 3.5% down
620
DPA Eligible
Most down payment assistance programs unlock here
640
GSFA Platinum
Louisiana's primary $15k grant program requires 640+
680
Best Rates
Conventional loans + lowest available interest rates
How to improve
Specific tips for where you are right now
Score: Under 580
- Dispute any errors on your credit report at annualcreditreport.com
- Pay all bills on time — even one late payment sets you back 60-90 days
- Become an authorized user on a family member's good-standing card
Score: 580–619
- Pay down credit cards to below 30% of their limit
- Don't close old accounts — length of history matters
- Avoid applying for any new credit
Score: 620–659
- Get below 10% utilization on all cards for a bigger boost
- Ask for a credit limit increase (without a hard pull)
- Self Inc credit-builder loan can add 20-40 points over 12 months
Score: 660+
- You're in great shape — focus on saving your down payment
- Keep utilization below 10%
- Don't open new accounts in the 6 months before applying
Free Resources
Tools Adreanne recommends
Annual Credit Report
Pull your free report from all 3 bureaus. Look for errors — disputing them is the fastest free score boost.
Get Free ReportSelf Inc
Credit-builder loan that reports to all 3 bureaus. Most clients see 20–40 point gains in 6–12 months.
Start BuildingHUD Counseling
Free or low-cost housing counseling from a HUD-approved advisor. Find one near you.
Find a Counselor