In this episode, we sit down with Sarah Perkins from Blue Water Credit to unpack the new VantageScore model, how it’s changing mortgage approvals, and what it means for future homeowners. Learn the key differences between FICO and VantageScore, how Gen Z is building credit faster, and discover insider strategies to boost your score—from lowering credit utilization to using authorized user accounts.   Plus, we break down today’s buyer-friendly housing market, why late October is prime for deals, and how to avoid the #1 mistake sellers make during the holidays: accepting or making contingent offers.   If you’re serious about improving your credit or timing your next home move, this episode is packed with actionable, real-world advice.   👉 Watch now to learn how to raise your score, negotiate smarter, and get the home you want faster.