Build a stronger VA loan file. Get a step-by-step plan to clear the 620 line, flip a Refer toward Approve, and ready-to-send dispute letters you fill in and mail yourself. Free, private, and yours to keep.
100% free · nothing stored · do-it-yourselfWhere is your mortgage credit score?
Use your mortgage middle score if you know it. Credit Karma usually runs 20 to 40 points higher than the FICO lenders pull, so this is a best estimate.
What is on your credit report?
Pick all that apply. This shapes your plan and which dispute letters you get.
How strong is the rest of your file?
At 580-619 these compensating factors carry more weight than the score. Honest estimates are fine.
When do you want to close?
This sets the pace of your plan.
Your information
This fills your dispute letters so they print ready to mail. It stays on your device.
Add the accounts to dispute
Add each account you want to dispute. We generate a filled letter for each one.
Fill in the bracketed parts, print, and mail to the bureau by certified mail. You can dispute free, yourself, directly with the bureaus. You never have to pay anyone to do this. For a PCS-related miss, attach a copy of your orders.
Lenders use mortgage FICO, not the app.
VA lenders pull a tri-merge with FICO 2, 4, and 5 and use your middle score. Credit Karma uses VantageScore and runs 20 to 40 points higher. Get a lender soft-pull tri-merge before making contract decisions so you know your real mortgage score.
620 changes pricing and flips Refer to Approve.
Moving from below 640 to 620+ removes Loan Level Pricing Adjusters and shifts most files from a Refer to Approve/Eligible. The fastest lever is paying revolving balances under 30 percent, then asking your lender for a rapid rescore (3 to 5 business days instead of a full cycle).
120%+ of the VA guideline closes 580 files.
At 580-619 a manual underwriter looks for compensating factors. Residual income at 120 percent or more of the VA regional guideline for your family size is the single strongest one. Paying down monthly debts raises residual and lowers DTI at the same time.
A missed bill during a move is explainable.
A missed payment during a PCS move can drop a score 60 to 100 points, but it is a documentable event. Keep your PCS orders and the payment catch-up date. A goodwill letter plus orders gives an underwriter a clean story instead of a red flag.
Optional. A VA Loan Network officer can review your file and tell you which lenders review Refer files at your score. Free, no obligation. Your plan and letters above are yours either way.
We only use this to connect you with a VA loan officer. Your credit answers above are not sent.