Welcome to the 100 Day Homebuyer’s Challenge inside Future Homeowner’s Academy. If you’ve ever wanted to own a home but felt like your credit score, debt, or lack of down payment was standing in the way — this challenge was built for you. Over the next 100 days, you will move through a structured, step-by-step system designed to help you become mortgage ready. We will focus on credit awareness, financial discipline, lender expectations, and strategic preparation for pre-approval.

Today we start with clarity. If you want to become mortgage ready, you cannot avoid your numbers. You must face them with confidence and strategy. Your credit score is not your identity. It is information. And information gives us power. In this lesson, you will learn: • Where to safely pull your credit report • What to look for when reviewing it • What not to panic about • How to shift from fear to strategy This is not about perfection.

Learn the Rules Before You Play the Game Today we shift from fear to understanding. If you don’t understand how your credit score is calculated, you cannot improve it strategically. Guessing leads to frustration. Clarity leads to confidence. In this lesson, you will learn the five components that make up your credit score: • Payment history • Credit utilization • Length of credit history • Credit mix • New inquiries