Is there a credit guide resource someone can get?

Yes. We have a credit-optimization guide, and the easiest place to get it is our free Blueprint workshop. The guide walks through the specific moves that tend to raise a mortgage score. We hand it out at the Blueprint workshop, which we run regularly and which covers the process blueprint for buying right, so you get the resource and the context around it in one sitting. Scores are more sensitive than most people expect, which is why a written plan helps. We have watched a personal score drop 47 points in a single month from one card's balance spiking to about 52% utilization over a holiday stretch, versus the under-10% we normally keep it at. It recovered just as fast once the balance came back down. That swing works in both directions, so a short, focused window of doing the right things can move a score meaningfully. We will not promise a specific jump, because the answer always depends on what is already on your report, but the guide gives you the levers worth pulling. Grab a seat at the next Blueprint workshop and the guide comes with it.