Frequently Asked
Questions
Train Your Credit Like You Train Your Body
You don’t need perfect credit, you need a training plan.
Whether you’re working toward homeownership, rebuilding after a financial setback, or preparing to co-sign with confidence, FX Your Score gives you the step-by-step system to strengthen your credit score, mindset, and financial future.
We fuse mortgage expertise with a personal trainer’s mindset, so you don’t just learn what to do… you get coached through it.
Credit Coaching Plans & Services
What types of credit coaching plans do you offer?
We provide several credit coaching plans tailored to different needs. Our options include a Do-It-For-You Credit Coaching plan, where we handle disputes and updates on your behalf, and a Couples Credit Coaching plan designed to help partners build credit together. Additionally, we offer a DIY Credit Repair option that gives you access to tools and resources to monitor and improve your credit independently. Each plan is structured to help you achieve your financial goals effectively.
What’s included in your Credit Coaching Services?
We offer personalized credit audits, done-for-you dispute services, and strategic planning tailored to help you become mortgage-ready. Our approach is built on structure, transparency, and results — not gimmicks.
What is the difference between credit repair and credit coaching?
Credit repair focuses on fixing specific issues in your credit report, often through dispute processes. In contrast, credit coaching is a more holistic approach that involves educating clients about credit management, building positive credit habits, and developing long-term strategies for financial health. At FX Your Score, we emphasize credit coaching to empower clients to take control of their credit journey and achieve sustainable results.
Do you offer services for couples?
Yes, our Couples Credit Coaching plan is designed to help partners build stronger credit and stronger trust together. We offer special pricing and tailored coaching for couples.
What tools do you offer to help improve my credit?
We provide access to trusted credit boost tools, loan and lending offers, financial protection services, and business growth resources. These tools are vetted to help you strengthen your credit and take control of your financial future.
What is the Authorized User Credit Builder program?
Our Authorized User Credit Builder program allows creditworthy allies to co-sign and help you train your credit toward qualification. This unique system supports building credit through trusted relationships.
What’s a Tradeline and do I need one?
Tradelines are accounts listed on your credit report. We only recommend tradelines that are safe, legal, and aligned with your specific financial goals. They’re not always necessary — we help you decide based on your full credit picture.
Credit Monitoring & Improvement
How can I monitor my credit progress?
Monitoring your credit progress is essential for understanding your financial health. We provide access to SmartCredit, a comprehensive tool that allows you to track your credit score, receive alerts for any changes, and access personalized guidance. This tool helps you stay informed about your credit status and empowers you to make informed decisions as you work towards improving your score.
What should I do if I have a low credit score?
If you have a low credit score, the first step is to understand the factors affecting it. Our credit coaching services can help you identify these factors and create a personalized plan to improve your score. This may include disputing inaccuracies on your credit report, managing debt, and building positive credit history. Taking proactive steps with expert guidance can significantly enhance your creditworthiness over time.
Can I build credit without a Social Security Number?
Yes, we offer credit builder cards like Firstcard that are great options for users without a Social Security Number. These cards help you start building credit with rewards and responsible usage.
How long does it take to see results?
Every client’s timeline is different. Some clients see improvement in as little as 30 days, while others take 3–6 months depending on their credit profile and consistency with the plan.
Mortgage and Home Buying
Can I get a mortgage with a low credit score?
While it is possible to obtain a mortgage with a low credit score, it may come with higher interest rates and less favorable terms. Lenders typically prefer borrowers with higher scores, as they are seen as lower risk. Our services can help you improve your credit score before applying for a mortgage, increasing your chances of securing better loan terms and making homeownership more accessible.
How does the Home Loan Consultation work?
You’ll meet with a mortgage-qualified credit expert who will walk you through what lenders look for, identify any red flags in your credit, and help you get a plan in place for approval.
Who is your First Time Home Buyer Guide for?
This is for anyone who wants to stop renting and start owning. It’s ideal for individuals or families with credit challenges who want expert guidance to move toward homeownership with confidence and clarity.
Can I use your services if I am a first-time homebuyer?
Absolutely. We offer a First-Time Homebuyer Guide and consultation to help you get prepped, pre-qualified, and informed for your home purchase with confidence.
Is There a First Time Homebuyer Tax Credit?
First-time homebuyer tax credits have been offered in the past as incentives to encourage homeownership, but availability varies by year and location. Currently, there is no federal first-time homebuyer tax credit in place. However, some states and local governments may offer their own programs or credits. It’s important to check with your local housing authority or a tax professional to see if any current tax credits or incentives apply to you as a first-time homebuyer.
Getting Started and Contact
How do I get started with FX Your Score?
Getting started with FX Your Score is simple. You can book a $1.99 Credit Training Session, where we will discuss your goals and create a customized game plan for improving your credit. From there, you can choose a coaching plan that fits your needs, whether it’s self-paced, done-for-you, or couples coaching. Our team is dedicated to guiding you through every step of your credit fitness journey.
What is the $1.99 Credit Training Session?
This is a quick, powerful introductory call where we map out your customized credit transformation game plan. It’s the first step to starting your credit fitness journey with FX Your Score.
How do I schedule a consultation?
You can book a consultation online through our booking widget or contact us by phone or text. We offer flexible scheduling to fit your needs.
How do I contact FX Your Score?
i. You can call us at (512) 755-2429, text us, or email us at [email protected]. We are here to support your credit fitness journey.
Additional Services
Do you provide notary services?
Yes, we offer local mobile notary services within a 60-mile radius of Georgetown, TX. Our services are fast, convenient, and mortgage-friendly for your important documents.
What areas do your Mobile Notary Services cover?
We currently offer mobile notary services within a 60 mile radius of Georgetown, TX. We come to you, offering convenience for closings, legal docs, and ID verifications.
Affiliate and Partnership
How do I become an affiliate partner?
If you are a realtor or lender with clients struggling to qualify for a mortgage, you can partner with FX Your Score. We work with your clients to improve their credit rating and help them become mortgage-ready. Visit our affiliate partner page to learn more and sign up.
About Kristi
Who is Kristi and what is her role at FX Your Score?
Kristi is the founder and lead credit coach at FX Your Score. With extensive experience in mortgage lending and credit coaching, she combines her expertise to help clients improve their credit and achieve homeownership goals. Her passion for financial education and personalized coaching drives the mission of FX Your Score.
What qualifications and experience does Kristi have?
Kristi has a strong background in mortgage lending and credit repair, with years of hands-on experience helping clients navigate credit challenges. She is dedicated to ongoing education and staying current with industry trends to provide the best guidance possible. Her approach is rooted in transparency, integrity, and results.
How does Kristi’s approach benefit clients?
Kristi’s approach focuses on empowering clients through education and personalized coaching. She believes that understanding credit and financial habits is key to long-term success. By combining mortgage expertise with a coaching mindset, Kristi helps clients build sustainable credit fitness and confidence to reach their financial goals.
Ready to Level Up Your Score?
Let’s build your financial fitness—one step at a time.
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