Credit Score Improvement for HELOC

I am assisting a property owner looking to qualify for a Home Equity Line of Credit (HELOC). Their credit score is currently in the 620–659 range and the lender requires a minimum of 680. We need a credit consultant to educate us on all available strategies and advise on the fastest path to reach that target. WHAT I NEED • Review our credit situation and identify the fastest improvement opportunities • Educate us on credit utilization, payment strategy, and credit mix • Explain how authorized user relationships work and what to look for • Advise on what HELOC lenders look for beyond the score • Deliver a written month-by-month action plan targeting 680+ • One or two follow-up check-ins to track progress IDEAL CANDIDATE • Experience helping clients improve credit scores for lending qualification • Knowledge of FICO scoring models and HELOC requirements • Certified credit counselor (NACCC, NFCC, or AFC) preferred • Practical and honest — no inflated promises IN YOUR PROPOSAL, PLEASE INCLUDE 1. Your background or certifications in credit counseling 2. Examples of clients you've helped reach a similar goal 3. Your proposed approach and estimated timeline 4. Your fixed price or hourly rate