Whether your credit score is 520 or 790, this expert interview reveals the overlooked steps that can immediately improve your homebuying power. Credit scores remain one of the most confusing and fear-inducing hurdles for first-time homebuyers. In this special interview, credit expert Jeanne Kelly—known as “The Credit Genie”—returns to offer actionable insights that go far beyond generic internet advice. With over 25 years of experience and a deeply personal story of rebuilding from financial rock bottom, Jeanne explains exactly how buyers can take control of their credit, whether they’re in recovery mode or already have strong scores. David and Jeanne break down myths, share real-life success strategies, and highlight the most surprising tips that even high-credit borrowers should know.

“I didn’t answer the door once and the man was going to turn off my electric… That was my rock bottom. You sit there and say, ‘You gotta change things.’” – Jeanne Kelly

• Why even buyers with “good” credit scores are missing opportunities
• The most common credit myths that keep renters stuck
• Jeanne’s formula for rebuilding credit after major financial struggles
• Tips you won’t find on Google—straight from a 25-year credit veteran
• What to do today if you’re afraid your credit score will hold you back
• How to recognize a real credit expert versus a scam
• Emotional and practical advice from someone who’s been there—and made it through

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David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer.

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