ScoreToClose is an invite-only credit coaching platform for buyers who are serious about qualifying for a mortgage. Request access to see if you qualify.
Credit score
Illustration280 points to FHA minimum
Scores in this range typically respond the fastest to targeted fixes.
Common lender minimums — requirements vary by lender and loan program. Nothing you set here is saved or sent anywhere.
Priority actions
3 Bureaus
Analyzed
Mortgage
Focused Path
FCRA
Compliant
Invite Only
Curated Access
*ScoreToClose is not a credit repair organization and does not charge fees for credit repair services. Results vary; individual outcomes depend on credit history and circumstances.
THE GATE
ScoreToClose is invite-only. Each application is reviewed individually. Real estate agents refer their buyers who need credit work before qualifying for a mortgage. If you’re serious about homeownership and willing to do the work, we want to hear from you.
Referred by a real estate agent? You get priority review. Ask your agent for their referral link.
Priority review
No agent? Apply directly. We review every application — serious buyers who are committed to the process are approved.
Every application read
We focus on buyers with a realistic path to mortgage qualification. If we can't help, we'll tell you honestly.
An honest answer either way
WHAT TO EXPECT
Fill out the form with your details. If you were referred by an agent, include their code for priority review.
Referral code optional
Each application is reviewed individually. We look for buyers who are committed to the mortgage qualification process.
Under 1 business day
If approved, you'll receive an email with instructions to create your account and get started. If not, we'll let you know.
Approved or not, you'll know
Once you're in, upload your credit report and get a personalized action plan to reach your target mortgage score.
Upload → ranked action plan
You’re in.
From there it’s your plan — ranked by what moves your score most, with your advisor checking the work.
THE PROCESS
We analyze every item across all three bureaus — identifying errors, derogatory marks, and high-impact opportunities.
Bureau Analysis
Priority Actions
Each action is ranked by potential score impact. You always know exactly what to do next and why it matters.
Follow your ranked plan and watch your score climb toward your mortgage target. If your report has genuine errors, we help you correct those, too.
Your Progress
Current score
612 ↑ 0
Target
700
Refer clients who aren't quite ready. We get them to qualification. You get the sale. Track every referral with your personal dashboard.
Realtor Dashboard
Sarah JonesMarcus Williams
Pre-Qual ReadyScore
581
Start
581
Gain
Ready
Everything we do follows the Fair Credit Reporting Act — accurate, professional, and by the book.
Every item checked against the rules
Your data is encrypted end-to-end. We never store credit card information or share your data with third parties.
Encrypted in transit and at rest
Our AI pinpoints the highest-impact steps to raise your score — and flags any errors on your report to correct.
Re-ranked by score impact
ScoreToClose is invite-only. Real estate agents refer their clients, and each application is reviewed.
Referred by your agent? Use their referral link for priority review.