Credit Score 90-Day Tracker: Printable Plan for Future Homebuyers (13-Week Plan, Utilization Worksheet, Dispute Log)

Thinking about buying a home in the next few months? Your credit is one of the first things a lender looks at. This printable tracker from The Mortgage Dad turns "work on my credit" into a simple 13-week plan you can actually follow.

What's inside (7 pages, US Letter PDF)

• Starting point: record your three bureau scores, set a goal, and see the five score factors explained in plain English.

• Credit report review checklist and a dispute log for errors (free, do-it-yourself).

• Card utilization worksheet: limits, balances, and 30% and 10% target balances, with statement-closing and due dates, plus a worked example.

• 13-week plan with one focus each week.

• Weekly check-in log for 13 weeks.

• Collections and late-payment tracker, a goodwill-letter outline, and a before-you-apply checklist.

• 30 / 60 / 90-day review pages.

This is not credit repair. It's a habit tracker plus education, and it doesn't promise any particular score. Scores from apps can differ from the scores a mortgage lender uses.

Educational only, not a loan offer or rate quote; example numbers are illustrations.

Aaron Clark, Licensed Mortgage Loan Officer, NMLS #1770738 · www.nmlsconsumeraccess.org · Equal Housing Opportunity