Most loan officers have demonstrated a lack of knowledge about the strategic possibilities of improving a FICO® Credit Score. Loan officers have demonstrated one of two issues.
First, we have seen time and again loan officers give incorrect advice that lowers FICO Credit Scores. We do not recommend you follow advice given by a loan officer unless it has been verified with a Family Financial Education Foundation counselor.
Second, a loan officer may provide one or two suggestions that improve FICO credit scores a few points. My Credit Plan looks at many possibilities and provides numerous suggestions to improve scores.