Posts Covering FICO & Credit Scores

Mortgage Credit Report: Lenders Accept Non-Traditional Credit

If your mortgage credit report has limited data, don't despair. Mortgage lenders are much more accepting of non-traditional credit today.

7 Mortgages With Low Minimum Credit Score Requirements

Certain mortgage programs are designed to get lower credit applicants into homes. Find out which programs you should target as a home buyer with a low score.

Help! My Spouse / Partner Has Bad Credit

Credit, not cash, is king when getting a mortgage. But if your spouse terrible credit, can you still buy or refinance? Actually, yes.

What’s A Fair Credit Score? And What’s It Worth To Increase It?

Having fair credit can cost you significantly more than having good credit. Luckily, it's not hard to move up a level.

5 Ways To Raise Your FICO Credit Score Today

FICO scores range from 300-850. The higher your score, the better mortgage rates and terms available to you. 5 simple ways to improve your credit score.

What Is a “Good” Credit Score, And How Do You Make It Even Better?

What is a good credit score, and how can you go from good to excellent? Find out here.

From Poor To Fair: How To Raise Your Credit Score

It's not that hard to raise your credit score, and the benefits are huge. Here's how to improve your credit score from poor to fair.

Mortgage Shopping With A 640 Credit Score? You Have Options

Can you get a mortgage with a 640 credit score? Yes, if you follow these guidelines and choose the right mortgage lender.

Don’t Fear Multiple Credit Inquiries When Mortgage Rate Shopping

Credit bureaus don't ding you for "too many credit inquiries" when you shop for a mortgage. Credit rules, plus how long you have to shop for a rate.

Use A Rapid Rescore To Qualify For A Mortgage

A rapid rescore can raise your credit score by 100 points or more within days. It is an important tool for home buyers with fixable credit issues.

What Credit Score Do You Need For A Mortgage?

What minimum credit score do you need for a mortgage? The answer is 500 but not everyone will qualify. What to do when your FICO is lower than you hoped.

Don’t “Reactivate” A Collection Account When Applying For A Mortgage

Paying off a collection account isn't always the smartest move. How to deal with collection accounts when applying for a mortgage.

The Effect Of A 680 FICO Score On Your Mortgage

When you're buying a home or refinancing one, good credit scores get you access to lower mortgage rates plus a wider selection of loan products.

FHA Credit Score Standards Are Dropping In 2016

You don't need a 720 credit score to qualify for a mortgage. FHA lenders are lowering credit score minimums by the day.

How To Boost Your FICO Score Before Buying Your Next Home

Take steps to boost your FICO score before applying for your next mortgage. Better scores mean lower mortgage rates and better terms. Today's rates, too.

Groundbreaking Credit Score Enhancements To Boost 2016 Loan Approvals

Lenders will start accepting a new credit scoring method that could result in higher consumer scores and more mortgage approvals.

Improving Your Credit Score Using “Authorized User” Accounts

Authorized User accounts can affect your credit score -- good or bad. Know how they work, and how to work them to your advantage. Improve your FICO today.

You Don’t Need A 740 FICO Score To Get A Mortgage

You can get mortgage-approved with credit scores as low as 500. However, with some simple steps, you can improve your FICO by a lot. Easy-to-follow tips.

Survey: 14% Of Consumers Can’t Tell You Their Credit Score

You think you know your credit score? A survey of 1,000 readers of TheMortgageReports.com showed that consumers believe they're on the ball. Are they right?

The Holiday Shopping “Deal” That Actually Hurts Your Home’s Mortgage Rate

Holiday shopping will reach record levels this year. However, one popular holiday "deal" can lower your credit score and, by extension, your mortgage rate.

2016 Conforming, FHA, & VA Loan Limits

Mortgage loan limits for every U.S. county, as published by Fannie Mae & Freddie Mac, the Federal Housing Administration (FHA), and the Department of Veterans Affairs (VA)