Posts Covering FICO & Credit Scores

After Equifax: How to get a mortgage when your credit’s been frozen

Equifax leak: experts recommend freezing your credit If your personal data is no longer secure because of the recent Equifax hack, many personal finance experts recommend that you protect yourself with credit monitoring and even freezing your credit. That can prevent people from opening up accounts in your name, but what if you're shopping for […]

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.

$10,000 Medical Collection: Can I Qualify For A Mortgage?

Can you qualify for a mortgage with (big) medical collections? Sometimes, because medical collections are different than other accounts.

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.

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.

Judgments? Liens? New Guidelines May Help You Qualify For A Home Loan

New mortgage credit guidelines can help you qualify for a home loan if you have liens or judgments in your credit history.

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.

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.

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.

Solve These 3 Problems And Improve Your Credit Score Fast In 2017

There are several ways to improve an ugly credit score, and some work fairly quickly. The methods you use depend on why you have a bad FICO in the first place.

Can You Buy A Home With A 580 Credit Score?

A 580 score doesn't disqualify you from getting a mortgage. But it does make it more challenging. Strategies to get approved despite "dinged" credit.

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.

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.

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.

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.

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.

2017 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)