Let's get you HELOC-ready
A 580+ score opens more options. Pay down cards, fix errors on your credit report, and avoid new inquiries for a few months. When your score is in range, come back — we will walk you through the rest.
Your next steps
- ✓ Pay down revolving balances to under 30% of your credit limit
- ✓ Dispute errors on your credit report at AnnualCreditReport.com
- ✓ Avoid new inquiries for at least 90 days before reapplying
- ✓ Don't close old accounts — age of credit history matters
While you wait
Reach out to a Frendly advisor — we can review your full file and give you a personalised plan to get to approval faster.