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Workbook 5 · optional

Personal Credit Build-Out Plan

A long-term path for building credit depth. It opens new accounts — which conflicts with the near-term mortgage path, where you pause new credit until closing.

Adapted from: “Personal Credit Build-Out Plan” (9 pp.)

Choose one path at a time. If you're within months of applying for a mortgage, stay on the Homebuyer Journey and talk to your lender before opening anything.

Turn the journey on to see the timeline, calculator and secured card tracker.