Free guide
Improving your credit
The Move Method™ — everything we tell our own clients about building stronger credit, from the two factors that matter most to the score that gets you into your next home.
— Peter & Vicky Royster
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What's inside
Real Answers, Not Sales Talk
Here's exactly what you'll walk away knowing.
The 2 Factors That Are 75% of Your Score
Payment history and card balances carry almost three-quarters of your score — see exactly how much each one moves the needle.
The 30% Rule for Card Balances
Keep balances under 30% of your limit — under 10% is even better — and see how spreading balances across cards can raise your score.
How Long Damage Really Lasts
A maxed-out card, a late payment, a settlement — see the real point range each one costs, and what it takes to recover.
Reading Your Own Credit Report
What a charge-off actually means, when it becomes a collection, and how to dispute an error for free.
Before You Touch Your Credit, Call Us First
Repairing credit the wrong way before a purchase can backfire — see why a quick call comes before any big move.
Written by your local team
Peter & Vicky Royster
We're a husband-and-wife team based in The Woodlands, and this guide is built from the same advice we give our own clients working toward their next home — no fluff, no jargon, just what actually moves your score.
- ABR
- CLHMS
- ALHS
- MRP
“Peter and Vicky are the best! They were able to get our home sold in 3 days and guided us masterfully through the ebbs and flows of waiting for our new construction to be done.”
Nick & Lindsay B. · Sellers · new-construction move
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