What it does

KeySteps connects your accounts and gives you a single dashboard for your full financial picture. You can see where money is going, how much is left to save, what your credit looks like in real time, and what the gap is between where you are and mortgage-qualified.

Who it’s for

• Early-stage buyers — you’re thinking about buying in the next year or two and want to know where you stand.
• Buyers improving credit — you want to track score changes month over month without paying for a credit monitoring service.
• Buyers paying down debt — you want a clear view of payoff progress and how it affects your DTI.
• Self-employed buyers — useful for tracking income and savings ahead of two years of returns being needed.

What you get

• Budgeting and spending categories
• Savings goal tracking with target dates
• Credit score monitoring (soft pulls, no impact)
• Net worth view
• iOS and Android apps

What it does

The Credit Builder Card reports on-time payments to the major bureaus each month. Over time, consistent reporting builds payment history, lowers utilization (if you use it lightly), and adds a credit account to your file. It’s a tool, not a quick fix — the change happens over months, not days.

Who it’s for

• First-time buyers with a thin credit file — not enough open accounts or history yet.
• Buyers rebuilding after a credit event — you had a bankruptcy, charge-off, or stretch of late payments, and need fresh on-time history.
• Buyers without a recent credit card — you used to have credit but it’s been dormant.

How to use it well

• Use it for one small recurring charge (a streaming subscription, for example).
• Pay the balance in full each month before the statement closes.
• Keep utilization under 10% of the limit.
• Don’t close it — account age matters.

What they do

My Credit Guy works on the specific issues blocking mortgage approval. That includes pursuing inaccurate items, helping with strategy on collections and charge-offs, advising on what to pay versus what to leave alone (some items hurt your score more if paid), and walking through credit-related qualifying questions.

They specialize in mortgage borrowers — not generic credit improvement — which means they understand which score changes will actually move underwriting forward.

Who it’s for

• Buyers with collections, charge-offs, or judgments — items dragging your score down or showing up on the mortgage credit report.
• Buyers with disputed or inaccurate items — mistakes from old accounts, identity theft, or settled items still showing open.
• Buyers stuck just below a qualifying score threshold — sometimes 10-20 points is the difference between an approval and a denial.
• Buyers who’ve been told to “fix credit first” — and you’re not sure what that actually means.

How to start

They offer a free credit review — you share your credit report, they identify what’s actually blocking you and what’s realistic to fix. No commitment until you’ve seen the assessment.