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Your FICO score is made up of data from your credit report that breaks down into these five components. Each component works with and against each other, so what works for one credit profile might not work for another.

New Credit

New Credit makes up 10 percent of your FICO Score, and it consists of the number of new accounts on file, as well as any and all Hard Inquires.

The goal here is to avoid pulling credit without good reason, and to add accounts while considering their impact to Credit Mix, Length of Credit History, Payment History or Amount of Debt. As with everything else in Credit, it’s a balancing act.

Amount Of Debt

The amount owed category determines 30 percent of your FICO score. Credit cards and Department Store cards are examples of revolving lines of credit. These types of accounts are heavily weighted when reported in your FICO score, and for most customers, which cards are heavily utilized and which are not determines the number of points earned here.

We consider each account, each limit, each Statement Date and each Due Date when we give our recommendations. We can tell customers exactly how much to pay to which accounts to maximize the FICO point return.

Payment History

Payment history- taking up 35 percent of your score, is the largest category out of the five to determine how your credit score is evaluated. This category has many intricate parts, and it touches every other area of Credit, but it ultimately describes your readiness of making the consistent, minimum payments on each line of credit on time.

Your payment history can get complex the more data you start to accumulate. It analyzes your payment information on a variety of accounts; including credit and retail cards, mortgages, and loans; as well as any opposing public records or negative accounts. In maximizing Payment History, it’s important to make sure you aren’t harming Amount Owed, Length of Credit History or New Credit.

Length of Credit History

Length of credit makes up 15 percent of your FICO score. This category is based off when you opened an account and the last time you were actively using the account. FICO factors in your oldest accounts, new accounts, and average-aged accounts.

In terms of FICO evaluation, long-term account holders are always better, so you’d never intentionally close an account. That's if you make your payments on time. Although the length of credit only takes up 15 percent of your score, long-term credit history will always look good in the eyes of FICO.

Credit Mix

Credit Mix measures the types of credits you are using altogether. It’s a mix of revolving and installment methods, and it determines 10 percent of your overall FICO score.

Many assume that the credit mix is an insignificant category within the scoring, but it’s useful for those that don’t have a strong credit history. It’s important to plan a diverse mix of accounts, without harming Length of Credit History, Payment History or New Credit in doing so.


Idalmi B.
This organization was a tremendous help with growing my credit rating. They literally helped me bring it up more than 100 points. The monthly calls they provide when providing updates was also very... helpful. They were always available if I had any questions or concerns and provided great insight. I highly recommend Mortgage Ready LLC for your credit and home purchasing more
Hannah S.
Cody and the rest of the mortgage ready team were so helpful in getting my husband and I prepared to buy a new home!
DC Holistic A.
This company is very professional, ethical, and demonstrates integrity, so that you can become turnkey ready for your new home. I highly recommend their services
Sierra H.
Mortgage ready was able to help us quickly raise our credit score in order to be ready to apply for a mortgage loan and it worked successfully. The customer service was top notch and highly recommend!
Brandi S.
Mortgage Ready LLC has helped my husband and I get approved for a home loan. They are very helpful and kind. Hayley is the best. I highly recommend this credit repair company to anyone. Thank you so... much Mortgage Ready more
jennifer g
I’ve had nothing but positive results with them! They are all very friendly and accommodating, and if you have any questions, they are always ready to assist!
Torrance L.
I couldn't imagine myself in the position I'm in today if it weren't fot Mortgage Ready LLC who helped me get on track and on my way to building a better future for me and my family.
Tomekia T.
I worked with agency for three months and was able to pull my credit up by removing a negative items.
Melissa D.
Mortgage Ready LLC is an AWESOME company and helped me get my credit in order to get it where it needed to be to be home buying ready. There staff are friendly and always available to answer my... questions. If you need help, keep them in more
Ms. B.
Top rate service. They are thorough and get the job done. Will use them again, plus recommending them to everyone I know.
Christie C.
My husband and I had a fantastic experience with Mortage Ready LLC. They were very helpful and explained everything from the start our process. They were timely in answering our question and... calling us more
Nitsa D.
I have worked with Mortgage Ready on two separate occasions. Both times, I was very impressed with their customer service as well as their results. They helped me reach my personal credit goal and... also educated me on how to maintain it. Would definitely use again and highly more
Amod B.
Great company who keeps you informed in a timely manner
Heather O.
Super thankful we were suggested to use Mortgage Ready during our build. We got our scores up, stopped overspending and added more to savings just by being diligent and deliberate with our credit... repair process. Haley and Chelsea were very helpful and we’re loving the freedom a great credit score can bring. 10/10 would more
Jason O.
Completely satisfied with Mortgage ready and thank you to Chelsea for helping us get items off our credit along with the guidance to climb over a 700 beacon. We did it!! My score went up 95 points in... less than a year following Chelsea's advice. THANK YOU!!read more
Katie S.
I had a very positive experience with this team. There was quite a lot I did not understand and very much appreciate the extensive information I received and the attention to answering all my... questions. I recommend this teamread more
James R.
Great company and great people. Helped me all along the mortgage process. Happy homeowner now, thanks to them. I would recommend these folks to anyone trying to get the best rate on a house.
Traci D.
I am very pleased with the work that was done to help quickly repair my credit score and the advice that was given to me. This company si very polite and professional and guided me towards knowing... and understanding my FICO credit score more
Jack B.
The team at Mortgage Ready has been wonderful to work with. They removed many negative accounts from my credit and my score raised almost 100 points, in about 6 months. The lifetime credit advice... will be priceless I'm sure.Thanks for all your help. I really am Mortgage Ready thanks to y'all. 💕😁read more
Danielle A.
Was with Mortgage Ready for quite some time and they have been extremely helpful in rebuilding my credit. My credit is now where I am qualified to buy a house. Wouldn’t have been able to do so... without their help. Highly recommendedread more
Jeffery W.
The customer service representatives have great interpersonal skills in order to deal with the consumer's situational circumstances.
Anna H.
Thank you for the phenomenal service. Mortgage Ready staff are professional and answer questions in a timely manner. I would highly recommend them to family and friends. Thank you all!
Michale S.
The staff is extremely polite and knowledgeable. They also helped me raise my credit score and provided me with vital information needed for continuous credit care! Would definitely recommend for... anyone trying to repair their credit!read more
Jose B.
I’ve only been involved with Mortgage ready for a brief time (couple months) I only had positive and uplifting experiences with them.Kudos to Chelsea, Dustin and Jennifer for conducting themselves... in a professional manner.Throughout the whole process they walked me through each step that I needed to take of. Which really helped me understand the inside and outs on how the credit repair process works.Again I want to extend my heart felt appreciation to this great staff, that was very helpful and supportive with me each step of the way.BravoJoseread more
Janel B.
This is the only credit repair company that I have used where I know that my money was well invested. I saw results quickly and got the counseling that I needed to close on my mortgage and move... forward knowing exactly what to do to maintain my score! The representatives were always available and professional. I would gladly use this company again and refer anyone who is looking for solid results to give them a more
Jimbob B.
Worked with Dustyn at Mortgage Ready since September of 2022 and he had worked through my credit issues that were holding me back from buying a home. He saved me a lot of time from doing it myself... and is educated in challenging issues that I would not know how to approach or handle. He gave great reports on what he worked on & what was removed and what is pending to be removed every month. End result, I just closed on my new home 1/13/23!! Thanks to Mortgage Ready!read more
Andrew K.
Cody and Dustin were great to work with and help me resolve a fraud case before closing on a new home. They walked me through the whole process and the communication was excellent.
Corey J.
Everyone from the staff to customer service was phenomenal! I recommend Mortgage Ready, LLC to any and everyone. They are fast, very professional, and work with you every step of the way providing... monthly updates and setting you up with obtainable goals. I am beyond satisfied and happy with their service!read more
Jason N.
I have nothing but good things to say about Mortgage Ready they really did a great job and performed better than I expected. I was hopefully they could help clean up my credit and boost my score and... help get me in the range I needed for a home loan. Mortgage Ready was able to get my credit cleaned up and my score went up well above what I was expecting and I am now looking forward to buying a house. If you have credit issues and need help call Mortgage Ready they are more
Bruce B.
My spouse and I signed up for Mortgage Ready several years ago and every time we have contacted them they have been incredibly helpful, professional and friendly. They are ready with sound advice on... how to improve your credit rating so that you can eventually qualify to purchase a home, or anything you want. If you are working towards purchasing a home and you need to focus on your credit, Mortgage Ready is a great investment of your time and more
tami W.
I have been working with Mortgage Ready for a year now and I can't thank them enough for working to get several collection accounts deleted (when I started the process I had no idea I even had them!)... and improve my credit scores. In the beginning it was a complete roller coaster of emotions watching and waiting for things to be deleted and scores to increase but the encouragement I was given along the way was tremendous. Anytime I had questions I knew I could call or send an email and my worries would be put at ease. I consider myself "graduated" from the program but will continue to recommend them to anyone who's needing to get "mortgage ready".read more
Brianna B.
My experience with Mortgage Ready was amazing!! I am 27 years old and a first time homeowner. I worked with Dustyn and Jennifer and they were both awesome. Over a couple of months my credit score... went up significantly. They were responsive and thorough. Buying a home is stressful, and it was comforting to know that I had a team of people watching my credit score to ensure there were no surprises by time I closed. I have recommended their services to other people whom I know!read more
Myke H.
Mortgage Ready LLC is a fantastic service!! From being to end…Chelsea, Dustyn, and the team kept me up to date on my file and updated me on my credit score advances. I saw steady improvement with my... score and all my questions were answered. They are quick to respond back, made changes to my file easy to understand, and each interaction was personable and respectful. I highly recommend their services looking to impact their credit score. THANK YOU!read more
Raeven B.
Ms.Price has done an amazing job with me and my credit. My score literally went up almost 100 points after following her tactics.
They were very helpful and on top of things. Always kept in contact with me, and anytime I called with questions, they were always ready to answer and made sure I understood the way the process... works. It did take a couple months to see the increase in my credit score, but it worked. I would recommend them for your needs. Chelsea and her team (Dustin & my apologies I don't remember the other lady's name) have always been very professional and polite. Thank you for all your help and dedication to more
Christopher C.
Very helpfulNow I am able to apply for credit with confidence
dwight M.
mortgage ready is a great company to work issues
darlene L.
You guys are awesome I followed the plan you guys had for me to get my credit on track for the house that I am now closing on Oct 31st and it only took less than 2 months☺️I'm very... pleased with your service thanks so muchread more
Robert S.
A well guided service that is effective at helping you repair and understand your credit score and how to have a positive impact on it.
Lori S.
Mortgage Ready helped my me and husband take a look at the full picture of our credit. We were given wonderful advice on how to begin cleaning up and raising our scores. The credit education we... received from Mortgage Ready will continue to benefit us in the future, and we are thrilled with our more
Arnesia C.
Mortgage Ready lived up to every expectation. Within a few months my scores increased gradually and quickly & I was ready to start looking for my home. I highly recommend working with them.
Tammy M.
MortgageReady was able to prep my credit report to make it mortgage ready. They increased my score by enough that we were able to get pre-approved for enough to buy our house.
Michael A.
I tried many other credit repair companies and they were a disappointment and a total waste of money. Mortgage Ready got my score up 60 points and helped me negotiate settlements with creditors. I... highly more
Jessica B.
My husband and I have been trying to get ready to build our dream home, and mortgage Ready helped my husband increase his credit score quick and we were able to get approved for our construction... loan. They were always easy to get a hold of, and helped us anytime we had questions. We definitely recommend them!read more
Robert A.
Mortgage Ready helped raise my credit score over 100 points in 5 months! They were very helpful with there reports and I would highly recommend using them for credit repair needs.
Eddie Law A.
The Mortgage Ready team has been amazing to work with and has helped me get 12 collection accounts deleted from my credit report to jump my scores nearly 100 points! I would recommend them to anyone... needing help with getting credit in shape to buy a home!read more
King R.
Has been very helpful, and am glad my wife is able to work with them it has definitely been a step in the right direction to improve our credit. - Mike Rogers
Brad Y.
I went through Mortgage Ready with determination that they could come through for me by getting my credit where it needed to be for me to purchase my new home. They came through and did just that!! I... am forever thankful for there hard work and customer service. I highly recommend them to get you where you need to be to purchase your next dream home!Thanks again for everything and God Bless!!!read more
Tracey G.
The customer service at Mortgage Ready is top notch. From the very beginning,where they explained everything in detail (without making me feel judged) to the end where they were as happy as we were... to close on our house. And everywhere in between. Always quickly answering our emails, explaining things a second or third time, working with the bank etc. I will tell everyone I know to turn to Mortgage Ready!! Thanks so much, Tracey and Quentin more
Rakisha H.
Just started with Mortgage Ready and I must say that everyone that I have spoken to there are very very helpful and eager to go the extra mile. Thank you Mortgage Ready.
The Service provide with Mortgage Ready allowed our Credit scores to improve which enable us to purchase our new home
Ted W.
They did an excellent job of helping us improve our credit scores and get rid of some negatives. I highly recommend this group.
Leigh W.
Thank you all for the work you did on our credit. We are Now Homeowners!
Rickey H.
This is a great company to help you with your credit repair. The are very detail and great with explaining everything dealing with your credit report. I highly recommend using this company.
Chad F.
Easy to work with. They pulled a couple of negative items off my account
Jennifer F.
Mortgage Ready has fantastic customer service and their team is highly responsive to any questions or concerns. My husband and I came into the program with decent credit scores but needed to have... some negative items removed. They were able to remove a few things buy not enough that it made a real difference in our scores. About a week prior to joining the program, we had alreadyu done all of the things they ended up advising us to do. I’m not knocking the service as I have seen this program work wonders for a coworker that came into it with poor credit but for us it was not worth the cost for the time it was taking to have the items more
Markos M.
I was very pleased with the mortgage ready program. I was extremely pleased with there customer service skills. They were always polite. And answered all my questions.
rick s
Sheri B.
The team is dedicated to fast getting results. I was extremely pleased!
Alessandra J.
Extremely helpful, they got my husband's credit from a low 600 to a 750 within 2 months. Mine is taking a little longer but it has definitely improved. Highly recommend to use to clean up and improve... more
Craig G.
Mortgage Ready has increased our credit in just a few months! It’s incredible what the team does. Chelsea and everyone there has been a pleasure to work with and has been so responsive throughout the... process. We close on our dream home today because of what mortgage ready did for us! Thank you!!read more
Kendrick B.
I have always enjoyed the experience of talking to any representative. I have gotten nothing but answers and results of my profile. I highly recommend this company for credit cleanup. I encourage... everyone to reach out to more
Nishimura K.
Very helpful, we're in a perfect position to buy a house now. 10/10 would use again.
krista C.
Loved my experience with mortgage ready! Within a few short months we saw a huge increase in our credit! Chelsea always responded quickly to any of my emails and answered any questions I had!
I worked with Tony and Bree. They were a breeze to work with, and very timely when it came to sending me the details and information that I needed to do my part. I learned so much from this process,... and in 3 months they bumped my score up about 20 points. I would definitely recommend working with them. Thank you MortgageReady!read more
Jessica P.
I am so happy with the professionalism and courtesy I was given through this company. I couldn’t have bought a home without the knowledge they provided. Thank you Mortgage Ready for helping me... accomplish my dream. 😊read more
Trae W.
These guys are awesome!!! I’m in the process of purchasing my first home and was recommended by my mortgage loan officer to this company. They’ve made the process easy to understand and fast paced. ... They’re also great at educating me on how credit is used. Keep up the great work!read more
Marlin L.
I’ve worked with Mortgage Ready LLC since December 2020, I’ve struggled with credit because I wasn’t informed in my 20s. I’ve worked with other credit repairs companies who haven’t helped inform me... as much as Chelsea has. I’ve had my score jump up 40 pts so far and hopefully closer to getting me to a 640 so I can be the first member of my family to buy a more
Jessica B.
Mortgage ready is a company I would recommend over and over again. I’ve always been very skeptical of credit repair companies because I’ve heard horror stories from most that make promises and don’t... deliver on them. This was not the case here— they were able to completely have old medica collections removed along with some late payments from a while back. Very satisfied with the results and will be sending friends and family their more
Which One's P.
They were a big help with fighting to get negative things removed from my credit reports. Highly recommend.
Yasmeen F.
Really friendly and professional group of people, always have a quick and valid response to all questions. It has been a pleasure working with them.
Chad F.
I worked with Stephanie at Mortgage Ready to help repair and rebuild my credit I order to get a better interest rate on my home. Process was simple, communication was A+. Highly recommend them for... any credit recovery needs you more
Sean L.
Very professional and easy to work with. Always very helpful and knowledgeable. Never had any problems getting in touch with them. Very good experience. Really helped me understand my credit, and... what I needed to do to fix more
I received great service from this company.Stephanie was very professional.I would recommend this company to get credit control.
Sherie M.
I started with Mortgage Ready almost a year ago and in that time my credit score went up over 150 points. They were great and easy to work with, always there to answer my questions. They kept me... informed through the process and gave me information on how to work with creditors along with maintaining a good credit more
Shaynen F.
Starting using these guys last year. I think I was just over 500 fico, one year later I am at 675! They definitely add the credit knowledge and know how to getting that score up. Would recommend! You... have to stay on top of all of the updates and make monthly check-ins with the lower plan, but they have a upgrade you can add so they do the check-ins and score monitoring for more
Penny B.
My husband and I used Mortgage Ready to help us clear up several items that were on our Credit Reports after a short sale during the housing crisis from years back. They were informative, efficient,... and responsive to all our needs and concerns. We are on the track to excellent credit with their help! We highly recommend their more
C J.
I was referred to Mortgage Ready by my Realtor due to my having challenges with getting my credit in order. From day one Toni has been the absolute best. She stayed with me from beginning to now. Due... to a life change I had to put my journey to new home purchase on hold. With God's grace and mercy I hope to return and continue the process. In the meantime, I highly recommend Mortgage Ready to anyone who has that credit challenges. They are the best by far!Thank you Toni and Mortgage Ready!read more
Kenneth D.
Very Professional and the service I received from the staff was great to help me close on my home
Aaron G.
So professional. Got results in a very short time. Actually turned out better than I expected! You can’t say that about anything nowadays. Satisfies beyond belief and would not hesitate to recommend... friends and families. Even if you aren’t “needing” these guys, you might be surprised what they could do to make your scores better!read more
Tiffany A.
I am looking into buying a house so I was referred to Mortgage Ready and couldn't be happier with their services. All the ladies I worked with were so professional and KNEW this credit business and... also gave me hope that they could help clear up some of my old student loan debt and they did!! Try them out, you won't regret it!Thanks Mortgage Ready!!!read more
Annie W.
Me and my husband were referred to this company! They did amazing work and we saw results! We are happy that we chose this company!Thank you
Heather C.
I hands down recommend mortgage ready! Toni is now part of my family. We talked about my goals and where I wanted to be and she did just that. Her and the team is a BEAST at getting credit whip into... shape in a short period of time as if they was born for this. I will continue to recommend the world to them because of the way I was treated. Last but not least I just signed my First Home contact 🙌🏽.... Thanks again guys!!!read more
Maine L.
My experience with mortgage ready has been a blast! The staff members are very helpful! And down to earth. The way they explain anything dealing with credit is very understandable, they make sure you... understand what their explaining and they don’t mind making the situation as simple as possible. I’ve called them whenever I’ve needed clearance on anything dealing with credit and they’ve always been there for me when I’ve needed them thanks again to their entire staff 🙏🏽read more
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PO BOX 272429
Office:  844-MTG-FICO
Fax:  970-344-8450
Hours: M-F  9am - 5pm (Mtn Time)