Free Mortgage-Ready Credit Playbook
A free DIY educational guide from Georgia mortgage loan officer Eric Partin. Learn how mortgage credit scores work, how to read your own reports, and how to use your federal consumer rights—on your own, before you apply for a home loan.
What’s inside
24-page Mortgage-Ready Credit playbook — 11 modules covering scores lenders use, report reading, disputes, utilization, collections, thin files, pre-application habits, rapid rescores, and a 30/60/90-day action plan
5 fill-in letter templates (Word + PDF) — bureau dispute, direct dispute to a creditor, debt validation request, goodwill request, and collection payment-agreement request
Credit Tracker spreadsheet — utilization tracker, dispute log with deadline estimates, and score log (sample data labeled as illustrations only)
Who it’s for
Future homebuyers and homeowners who want to understand their credit, catch possible reporting errors, and organize their own next steps—without hiring anyone to contact creditors or credit bureaus for them.
When you’re ready
When you’re ready to talk about a home loan, start a mortgage application or contact Eric Partin at GA Loan Advisors. This playbook is education only—it is not a loan offer or a commitment to lend.
Educational disclaimer
For educational purposes only. This is not credit repair, legal advice, or financial advice. We do not contact creditors or credit bureaus on your behalf. Results vary, and no specific score change or timeline is promised. You have the right to get your credit reports and dispute inaccurate information yourself at no cost. Not a commitment to lend. Free educational download.
Eric Partin | NMLS 2499713 | GA Loan Advisors LLC NMLS 2837524 | Equal Housing Opportunity
Eric Partin, NMLS #2499713 | GA Loan Advisors LLC, NMLS #2837524 | Georgia Mortgage License #2837524 | Equal Housing Opportunity