The 90-day home buyer credit program for people a lender just turned down.
Ninety days is how long the program runs. It is not a promise about what your credit will do inside it, and anyone who promises you that is selling something. What you get is a credit strategist who reads all three of your reports with you, documented challenges to inaccurate, outdated, or unverifiable items, coaching on the exact numbers an underwriter looks at, and introductions to a lender and an agent who already know your file.
For renters and first-time buyers who want to buy within the next year and are willing to do the parts only they can do. Nationwide. Based in Irvine, California.
Not sure you are ready to apply yet?
Start with the free Credit Clarity Session instead. A specialist reads your reports with you and tells you whether ninety days is realistic for your file or whether you are looking at a longer runway. No charge, no obligation, and no one signs anything on that call.
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Most buyers do not get stopped by their credit.
They get stopped by nobody explaining it.
The usual version of this goes badly. A lender says no, gives you a number and a form letter, and you are left guessing which of the eleven things on your report was the actual problem. Six months later you try again with a different lender and get the same answer for the same unexplained reason.
This program replaces the guessing. One strategist owns your file, reads the report the underwriter will read, works the items that can be worked, and tells you plainly which parts are just going to take time.
If credit repair before buying a house is the piece you have been avoiding, this is the structured version of it.
The same person for the whole program. They read your file once and stay with it.
Loan officers who are used to buyers actively working on credit and will talk timeline before pulling.
Agents who understand the program and will not push you to shop before your file is ready.
A fixed program length with scheduled work, instead of an open-ended monthly service.
Setup and monthly costs disclosed before you sign. Month to month, cancel anytime, no long-term contract.
Nothing goes to a bureau that you have not reviewed. You can cancel anytime.
What a mortgage lender actually looks at
Six things decide most files. Learn them and you will understand your own denial letter better than the person who handed it to you. None of this is a promise about your file. It is how the system works.
The middle score, not the one in your app
A mortgage lender pulls all three bureaus and uses your middle score, not the best one and not the average. On a joint application the lower borrower's middle score usually governs. Pricing then moves in tiers, commonly around 620, 660, 680, 700, 720 and 740, so a few points can change your rate even when the answer is still yes. Conventional loans generally start around a 620 middle score, and FHA has lower published floors with a larger down payment below 580. Program rules and lender overlays vary.
Debt to income, which the score never shows you
Underwriters add your proposed housing payment plus your monthly debt payments and divide by your gross monthly income. That back-end ratio has limits that vary by loan program and by what else is strong in the file. Plenty of denials have nothing to do with your report at all: a car payment and two card minimums can be the whole problem. Paying a balance down changes this number. Closing an old account does not.
Utilization is a timing problem, not a spending problem
Card balances report to the bureaus once a month, usually on the statement date. If you pay in full every month but your statement closes at a high balance, the score sees a high balance. Scoring looks at both the per-card ratio and the total across all cards, and it has no memory: the number recalculates on whatever gets reported next cycle. Getting balances reported low before a lender pulls is one of the few levers you control directly.
Recent inquiries and new accounts
A single hard inquiry is a small factor. A pattern of them inside a few months is not, because it reads as someone actively taking on debt. Mortgage and auto rate shopping is treated more kindly: multiple pulls of the same type inside a short shopping window get counted as one, though the length of that window depends on the scoring model. The bigger risk is a new account opened during the process. Lenders commonly re-check credit before funding, and a new car loan or store card in escrow can reprice or stall a loan that was already cleared.
Collections, charge-offs, and how the bureaus treat medical debt
Not every collection is treated the same. The nationwide bureaus stopped reporting paid medical collections, added a waiting period before new medical collections appear, and since 2023 have removed medical collections under $500. Newer scoring models also weigh remaining medical debt less heavily than other collections, though older mortgage models still treat some of it differently. Beyond medical, loan programs differ on whether unpaid non-mortgage collections have to be resolved before closing, and how large the balance has to be before it matters. This is a place where reading the actual tri-merge beats guessing from an app.
What a dispute is, and what it is not
A dispute is a formal challenge to information that is inaccurate, outdated, or unverifiable. Under FCRA section 611 the bureau generally has 30 days to investigate, extendable to 45 when you supply new documents, and it has to report back on what it found. If the furnisher cannot verify the item, it comes off or gets corrected. If the item is accurate and inside the reporting window, it stays, and it should. Disputing accurate debt is not a strategy, it is a delay. Also worth knowing: a tradeline actively flagged as disputed can complicate underwriting, so sequencing matters when you are inside a real timeline.
About rapid rescore, since somebody will bring it up
A rapid rescore is a lender-side process. Your loan officer submits documentation that something on your report has already changed, a card paid down, an error corrected, and the bureaus update it in a few business days rather than waiting for the normal cycle. It is faster reporting of things that are already true.
It is not a way to remove accurate information, it cannot be ordered by you or by us, and no one can promise you a point result from it. We will tell your loan officer when your file is a candidate for one. That is the whole honest version.
Thirteen weeks, described as work performed
This is the schedule of what we do and what you do. It is deliberately written as tasks rather than outcomes, because the tasks are the part we control. Timing shifts when a bureau takes the full investigation window or a furnisher sends documents late.
Intake and file build
We get your three reports in front of both of us, not a score app, the actual reports.
- Written agreement and disclosures, including your three business day right to cancel under CROA
- Tri-bureau reports pulled and every tradeline logged: balance, limit, status, date of first delinquency, reporting bureaus
- Income and monthly obligations captured so we can calculate your debt-to-income the way an underwriter will
- Your questions answered before any work starts
The read, and the honest timeline
Your strategist walks you through what is on the file and sorts it into three piles: inaccurate, accurate but manageable, and accurate and simply going to take time.
- Line-by-line review call with your strategist
- Documentation gathered for the items we intend to challenge
- A written plan naming the specific items, the order, and the reasoning
- A straight answer about whether ninety days is realistic for your file, or whether you are looking at longer
First round of challenges out
Documented disputes go to the bureaus and, where it applies, directly to the furnisher that reported the item.
- You review and approve every letter before it is sent
- Challenges filed on inaccurate, outdated, or unverifiable items with supporting documents attached
- Send dates logged so we know exactly when each investigation window closes
- Utilization plan starts: which balances to pay down first and which statement dates matter
Responses in, second round prepared
Investigations come back. Some items are corrected or deleted, some are verified, and some responses are incomplete. Each one gets a different next step.
- Every bureau response read and logged against the original claim
- Method of verification requested where a response does not hold up
- Second round of challenges prepared and approved by you
- Mid-program review call: what moved, what did not, what changes about the plan
Positioning the parts a dispute cannot fix
This is the half of the work nobody advertises, because it is unglamorous and it is usually what actually decides the file.
- Debt-to-income work: which balance to attack first for ratio impact rather than for score theater
- Statement-date coaching so balances report low when a lender pulls
- Guidance on which accounts to leave open, and a firm no on opening anything new
- Down payment and reserves conversation, including gift funds and assistance programs where they apply
Lender conversation and handoff
We put a current, documented file in front of a loan officer and let them tell you where you stand.
- Introduction to a lender who already knows the context of your file
- Documentation of what changed on the report and why, in a form a loan officer can use
- Agent introduction when the lender says the file is ready to shop, not before
- A maintenance plan for the months after, because the last thing you want is to undo this at the furniture store
What week 13 does not come with
A score, a date, or an approval. We do not promise any of the three, because none of them are ours to promise. Results vary with what is on your report, how accurate it is, your income and debts, and how much of the plan you actually follow. What we commit to is the work above, performed and documented, and the truth about what it did.
If at week two the honest answer is that your file needs nine months rather than three, you will hear that in week two, not in month five.
We turn people down, and we would rather do it now
Taking money from someone this program cannot help is how a credit company earns a bad reputation. Read both columns honestly before you apply.
This is for you if
- You want to buy within roughly the next year and you are serious about it
- You have steady, documentable income and can show it
- You have or are building a down payment, or you are exploring assistance programs
- You are willing to be told which part of this is your own spending and adjust it
- You will answer your strategist within a couple of days, not a couple of weeks
- You want to understand your report, not just have someone quietly work on it
- You accept that some accurate items will stay on your file and have to age
This is not for you if
- You are looking for a guaranteed score, a guaranteed approval, or a guaranteed date
- You want accurate debts disputed off your report
- You prefer to pick your own lender and agent and skip the introductions
- You are in an active bankruptcy proceeding, which has to conclude first
- You are casually curious with no timeline, in which case start with a free Clarity Session instead
- You would rather run the process yourself, in which case ScorePros AI at $49.99 a month is the honest recommendation
- You need someone to do one hundred percent of it while you change nothing
After you apply, in order
The application is free, it takes a few minutes, and submitting it commits you to nothing. Nobody signs anything until after the call.
A person reviews your application within 1 business day and checks whether the program fits your situation at all.
We talk through your goal, your income and debts, and what your reports look like. You get a realistic read on the timeline, including if the answer is longer than ninety days.
If it is a fit, you get the agreement and the CROA disclosures in writing, including the three business day right to cancel. Costs are disclosed before you sign.
Your strategist pulls your reports, and the schedule you read above begins. Lender and agent introductions come later, when the file is ready.
What each side has to do
We commit to the work in the schedule above, a named strategist who stays with your file, letters you approve before they go out, and a straight answer every time you ask for one.
You commit to answering your strategist, paying down what we ask you to pay down, and opening no new credit while this is running. That last one ends more of these programs than anything a bureau does.
We do not accept every applicant. If your file needs something this program does not provide, we will say so and point you somewhere honest, including our other services or the plan that actually fits.
Work with buyers who are actually working on it
If you are an agent who keeps watching good buyers get denied and disappear, this is the other side of that problem. Clients in the program are doing documented credit work with a strategist and get introduced to an agent when their file is ready to shop, not before.
No money moves between Score Pros and agents in either direction. We pay no referral fees and charge no partner fees, which keeps the arrangement clean and keeps everyone out of RESPA territory.
Days of scheduled program work
Bureaus reviewed on every file
Named contact for your buyers
Referral fees, in either direction
The full partner page covers consent, milestone updates, and what we will not do.
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Questions people ask before they apply
Including the ones with answers you may not want to hear.
Does 90 days mean my credit will be fixed in 90 days?
No. Ninety days is the length of the program, which is how long the scheduled work takes to perform. It is not a statement about what your credit will look like at the end. A bureau generally gets 30 days to investigate a dispute under FCRA section 611, extendable to 45 days when new documents are supplied, so a first round plus responses plus a second round fills most of that window on its own.
Some files are in good shape by week ten. Some have a recent derogatory or a debt-to-income problem that no process can shorten. Results vary and no outcome or timeline is guaranteed.
Can you guarantee I get approved for a mortgage?
No, and neither can anyone else. Score Pros is not a mortgage lender or a mortgage broker. Lending decisions belong entirely to the lender and depend on your income, debts, down payment, the property, and their own underwriting rules. What we can do is get your credit file accurate and your numbers positioned, then put you in front of a loan officer who knows the context.
What can actually be challenged on my report?
Anything that is inaccurate, outdated, or unverifiable. In practice that includes accounts that are not yours, balances or limits reported wrong, a status that does not match your payment history, duplicate collections for the same debt, items past the reporting period, and entries a furnisher cannot substantiate when asked.
Accurate, current, verifiable items stay. We will not dispute a debt you owe just to make the file look better before an application, and you should walk away from anyone who offers to.
Will disputing items hurt my score or complicate my loan?
Filing a dispute is your right under the FCRA and the act of filing is not a scoring factor. Timing is the real consideration: a tradeline actively flagged as disputed can complicate underwriting, and some underwriters want the flag resolved before they will clear a file. That is exactly why we ask about your timeline in week one and sequence the work around it rather than firing off letters and hoping.
How does pricing work?
There is a setup component and a monthly component, and the figure depends on how much work your file needs, so it gets discussed on your call rather than posted as a headline number. What is fixed: CROA prohibits charging for credit repair services before they are performed, there is no contract term, and you can cancel anytime. You also have a written right to cancel the agreement outright: three business days under CROA, and longer in some states, since California residents may cancel until midnight of the fifth working day after signing with any payment returned within 15 days. Your written agreement states the period that applies in your state. Our pricing page explains the structure across every service.
Do I have to use your lender and your agent?
The program is built around introductions to people who already know your file, and that coordination is most of the value. If you would rather bring your own loan officer or your own agent, say so on the strategy call. We will tell you honestly whether the program still makes sense for you or whether one of our standalone services is the better fit. We are not a real estate brokerage and we take no part of any commission.
I have collections. Do I have to pay them off first?
It depends on the item and the loan program. Some programs require unpaid non-mortgage collections to be resolved before closing once the total passes a threshold, others do not. Paying a collection also does not automatically remove it from your report, which surprises most people. First we check whether the item is even reporting accurately. If it is accurate and it has to be dealt with, we build a payment sequence around your debt-to-income rather than paying things in a random order.
What about medical collections?
The rules changed in your favor. The nationwide bureaus removed paid medical collections, added a waiting period before new ones appear, and since 2023 have removed medical collections under $500. Newer scoring models weigh remaining medical debt less heavily than other collections, though some older mortgage models still treat it differently. It is worth pulling the actual report before assuming a medical item is the reason you were denied.
What if I am a year out, not three months?
Then say that on the call and we will tell you the truth about it. A longer runway is often better, because it gives accurate items time to age and gives you time to build reserves. If a full program is not the right spend right now, the Approval Lab at $25 a month or ScorePros AI at $49.99 a month covers the same playbook in a form you run yourself.
Can I cancel, and do you work in my state?
You can cancel anytime, with no penalty and no contract term, on top of the three business day right to cancel that CROA gives you after signing. Score Pros is based in Irvine, California and works with clients nationwide, though state law adds requirements in some places, so we confirm eligibility on the first call rather than after you have signed anything. More detail lives on our compliance page and in the general FAQ.
Find out what is actually in the way
The application is free and commits you to nothing. Worst case, you spend a few minutes and get a specialist telling you which items on your report matter and which ones you have been worrying about for no reason. That is worth having whether or not you ever hire us.
No guaranteed outcomes. Score Pros makes no guarantee regarding credit score improvement, item removal, mortgage approval, or any timeline. "90-day" describes the length of the program, not a result. Individual results vary based on the accuracy of what is being reported, your credit history and financial situation, how closely you follow the plan, and factors outside our control including lender underwriting standards and market conditions.
What we dispute. Score Pros challenges information that is inaccurate, outdated, or unverifiable under the Fair Credit Reporting Act. We do not dispute accurate, current, verifiable information, and we do not sell tradelines or credit privacy numbers.
Not a lender or brokerage. Score Pros is not a mortgage lender, mortgage broker, real estate brokerage, or law firm. We provide credit strategy and dispute services and make introductions to third-party lending and real estate professionals. All lending decisions are made solely by the lender. All real estate transactions are handled by licensed agents. Score Pros pays no referral fees to, and receives none from, real estate agents or brokerages.
Fees and cancellation. CROA prohibits charging for credit repair services before they are performed. The full fee structure and written terms are disclosed before enrollment. Under the Credit Repair Organizations Act you may cancel the contract in writing within three business days of signing it, for any reason and at no cost. Some states give you longer. California residents may cancel until midnight of the fifth working day after signing, and any payment made must be returned within 15 days of our receiving your notice. Your written agreement states the cancellation period that applies in your state. Beyond that, the service is month to month and you may cancel at any time with no penalty. Applying is free and commits you to nothing.