YOUR NEXT STEP TOWARD HOME
Credit Repair & Improvement for Michigan Home Buyers
Your credit does not have to be perfect to start a conversation. Understand your reports, build a manageable plan, and take your next step toward a home.
1. Get the facts
Start with free reports from all three nationwide credit bureaus. Check balances, payment history and possible errors.
Get your free credit reports →2. Build better habits
Explore Dave Ramsey’s Financial Peace University for budgeting, paying down debt and creating a plan you can follow.
Explore Financial Peace University →3. Compare payoff choices
Use AI to organize anonymous account facts and compare payments that reduce credit-card utilization.
Create an AI-assisted payoff plan →4. Correct real errors
Use our existing ChatGPT guide to understand report entries and prepare factual disputes.
Use AI to understand your credit report →What might help your scores sooner?
When high credit-card balances are a problem, lowering reported balances may help after your creditors update your reports. Both individual-card and total utilization matter. Keeping every payment on time is essential.
There is no universal fastest payoff order. Your report, scoring model, available cash and reporting dates all matter. AI can calculate scenarios; it cannot reliably predict exact score gains or guarantee a deadline. Read FICO’s explanation of balances and utilization.
Credit repair starts with accurate information
You can review your reports and dispute inaccuracies yourself for free. Accurate negative information generally cannot be removed simply because it hurts your score. Avoid guaranteed deletions or promises of a specific score increase. Read the CFPB’s explanation.
This center provides education and mortgage preparation. Use the Michigan mortgage credit-score guide to connect your credit questions with your home-buying goal.
Protect your home-buying funds
Paying off debt can leave less money for closing costs and reserves. Before making a large payoff, closing accounts, opening new credit or paying collections, discuss your mortgage timeline with Mike. Your credit, monthly obligations and cash to close need to work together.
You do not need to have it all figured out.
Tell Mike what you want to accomplish and when you hope to buy.
Ask Mike about my credit and mortgage plan → · Call 616-319-1640
Credit Improvement Center · All mortgage resources
Educational information, not individualized legal advice, a score guarantee or a commitment to lend. Loan approval depends on the complete borrower and property file. Mike Alkema, NMLS #642953 · Leeward Point Mortgage LLC, NMLS #1823590 · Equal Housing Opportunity. Verify AI output independently.