The 12-Step NYC Homebuyer's Credit Checklist.
Everything every first-time NYC buyer needs to do to their credit in the 6 months before applying for a mortgage. Built by an NY-licensed credit specialist.
- The 12 critical credit moves before any mortgage application
- What lenders actually look for on your credit report
- The mistakes that get NYC homebuyers denied — and how to avoid them
- How to time applications for the best chance of approval
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The Checklist Covers Everything.
Pull Your 3 Reports
How and where to get all 3 of your credit reports — the right way.
Utilization Strategy
The 30% rule — and why timing matters more than the number.
Old Accounts
Why closing old credit cards almost always hurts your score.
Application Discipline
Why every new credit application costs you mortgage points.
Autopay Everything
The single best move to protect your score for the next 6 months.
+ 7 More Critical Steps
Inquiry timing, dispute strategy, mortgage-readiness checklist, and more.
Angeline Cornelia — Founder, ID Legacy Enterprise.
Former NYPD Officer. Former VP, Global Security & Investigations. Former VP, Cybersecurity. Now applying investigative discipline to credit restoration — where accuracy, documentation, and strategy determine outcomes. NY-licensed Debt Collector. NY Notary Public.