Welcome
This is the phase where you actually build something.
Everything so far has been protective. The paperwork fortnight made the file accurate. The free wins made sure nothing quietly damages it. Both were necessary, and neither of them added a single new piece of positive information to your record.
Months one to three are different. Here you do two things: you put a credit-builder product in place and use it correctly, and you learn utilisation properly — not as a number to vaguely remember, but as a mechanic you can operate deliberately, on a date you can find in your banking app.
This is the longest session in the path and the one worth the most Mortgage Fitness, because it's the one that changes what a lender actually reads about you. Take your time with the worked examples — the numbers are the point.
Pick the right builder product
Operate utilisation deliberately
Earn Record Builder