Better Finance Solutions urges consumers to review credit before 2027

Orlando credit consultant Dasia Bobbs says consumers should use the rest of 2026 to check credit reports, lower revolving balances and prepare for major financing decisions in 2027. The message comes as U.S. credit card debt reaches $1.26 trillion and lenders weigh more than just a credit score.

Why it matters: - Consumers who wait until they apply for a mortgage, auto loan, apartment, or business funding may discover credit problems too late to fix them. - Bobbs says early planning can improve the odds of approval and reduce pressure before major 2027 financial decisions. - The warning lands as U.S. credit card debt sits at $1.26 trillion.

What happened: - The Better Finance Solutions LLC is urging consumers to make credit readiness part of year-end financial planning for 2027. - Founder and CEO Dasia Bobbs, a Board-Certified Credit Consultant with eight years of industry experience, says consumers should review credit now instead of waiting until a lender decision is on the line. - Bobbs is advising consumers to use the final months of 2026 to assess their credit and prepare for financial goals they want to pursue next year.

The details: - Lenders may review payment history, revolving balances, recent inquiries, new accounts, derogatory information and overall debt obligations. - Mortgage reviews can also include income, debt-to-income ratios, available funds and other underwriting factors. - Bobbs says a strong score alone does not guarantee readiness for approval. - The Better Finance Solutions says consumers should review all three credit reports from Equifax, Experian and TransUnion, not just a score shown in a banking app or monitoring tool. - Consumers should check reports for balances, payment history, account status and unfamiliar activity. - Credit-card utilization can affect the overall credit profile, and Bobbs warns consumers not to treat available credit as income. - Late payments can derail financing plans, so automatic payments, account alerts and calendar reminders can help. - New credit applications and retail financing offers late in the year can complicate a 2027 borrowing goal. - Credit improvement should match the end goal, since a mortgage, auto loan, rental approval and business funding can require different strategies. - The Better Finance Solutions provides credit restoration and financial education, along with help on mortgage readiness and business funding readiness. - Bobbs also shares credit and mortgage-readiness education through The Credit to Closing Report on LinkedIn. - The company says Bobbs has served more than 1,000 clients.

Between the lines: - Bobbs is pushing a shift from reactive credit repair to proactive financial readiness. - Her message suggests consumers often focus on a credit score without understanding the broader lending profile that underwriters evaluate. - The emphasis on year-end preparation reflects a longer timeline for fixing balances, correcting errors and building payment history. - The broader pitch is not just to improve credit, but to align credit behavior with a specific financial goal.

What's next: - Consumers considering major borrowing in 2027 are being told to review credit reports now and make adjustments during the remainder of 2026. - Bobbs says people who already improved their credit should protect the progress they have made. - The Better Finance Solutions is likely to keep centering its education around mortgage readiness, financial planning and lending preparation.