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Book your FREE call with me today - https://www.samfoxmortgageexpert.co.uk Get a FREE Credit Report - https://ow.ly/SuN250SkGSY If you’re planning to apply for a mortgage in 2026, your credit profile matters more than ever, but not in the way most people think. In this video, I explain how mortgage lenders really use your credit score, what actually damages your chances, and exactly how to fix your credit fast using a clear 30, 60, and 90-day plan. You’ll learn: How lenders assess your credit file (not just your score) The biggest credit killers to avoid in 2026 Quick wins you can do in 30 days to improve your profile How to build lender-friendly habits over 60–90 days Common credit myths that stop people getting approved You don’t need a perfect credit score, you need a clean, stable, mortgage-ready profile. This video shows you how to build one. Timecode: 00:00 - Intro 00:40 - What is a Credit Score? 01:05 - Credit Score Killers 01:55 - 1 Month Plan 02:45 - 2 Month Plan 03:25 - 3 Month Plan 04:00 - Credit Score Myths Q&A 06:50 - Outro Book your FREE call with me today - https://www.samfoxmortgageexpert.co.uk Get a FREE Credit Report - https://ow.ly/SuN250SkGSY Credit Report Disclaimer ✅ Download your FREE Credit Report for 30 days – cancel online at anytime! £14.99 after for 30 day trial. Affiliate link. UK Mortgage Centre is a trading style of Refresh Mortgage Network Limited. Refresh Mortgage Network Limited is authorised and regulated by the Financial Conduct Authority. FRN – 826982. Registered in England & Wales: 11614569. As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments. The Financial Conduct Authority does not regulate some forms of buy-to-let mortgages. The Financial Conduct Authority does not regulate will writing and taxation and trust advice.