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By Steven Hyde, Founder, Hyde Funding · NMLS #391380. Reviewed 2026-10-27. Hyde Funding is a mortgage lender headquartered in San Diego, lending nationwide since 2015, and is not affiliated with the U.S. Department of Veterans Affairs.
Short answer: Start by pulling all three credit reports free at AnnualCreditReport.com, then dispute errors and lower card balances below about 30% of their limits. Bring every payment current. Most veterans see the biggest gains within one to three billing cycles. Hyde Funding can rapid-rescore through your loan file when changes post, and refers clients who need deeper work to a trusted credit repair partner.
Mortgage scoring uses older FICO models from all three bureaus. Consumer apps often show different numbers, so we pull a tri-merge.
Dispute inaccurate late payments, duplicate collections, or accounts that are not yours. Military members can also check active-duty alerts and SCRA protections.
Paying revolving balances down before the statement date is the fastest legitimate score lift.
Paying an old collection can sometimes lower a score, so ask us before paying. VA regulations don’t require collections to be paid if you are otherwise creditworthy, but judgments must be paid and delinquent federal debts must be brought current (38 CFR 36.4340).
Once changes post, a lender-initiated rapid rescore can update scores in days rather than waiting for the monthly cycle.
If you have many disputed items, identity-theft cleanup, or several derogatory accounts, a dedicated credit repair company can help. Hyde Funding refers clients to a trusted third-party partner. Hyde Funding welcomes every credit profile, so apply even if your score isn’t where you want it. If your credit needs significant work, we can refer you to a trusted credit repair partner.
Utilization and error fixes can show up in one to two billing cycles. Rebuilding after late payments takes longer.
Talk to us first. Paying certain collections can change your score unexpectedly, and not all must be paid for VA approval.
Often. A higher score can improve pricing even though VA sets no minimum score.
Talk to Steven: (858) 775-1005 · Free VA consultation · Apply now
Steven Hyde, NMLS #391380. Equal Housing Opportunity. Hyde Funding is not a government agency and is not affiliated with the VA. This is general information, not a loan commitment; terms depend on credit, income, property, and lender approval.