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Building your Credit is one of the trickiest things you can do. When purchasing a home, your credit score tells lenders about your creditworthiness (how likely you are to pay back a loan based on your credit history). Your credit and credit score is calculated using the information in your credit reports such as Equifax, Experian, and TransUnion. FICO® Scores are the standard for credit scores—used by 90% of top lenders. If you are in need of credit repair or need help building your credit score, please check our Credit Tips and Tricks.
What is a Good Credit Score?
Building Most credit score can have ranges from 300-850, there could be times where you dont have a score at all. The Lower credit score the higher risk to lenders, a higher credit score is the less risk to the lender. A "Good" Credit score is considered to e in the 670-739 range. Down Payment assistance program usually look at Credit to be at 640 and higher.
Credit Score Rate Description
<580 Poor This credit score is well below the average score of U.S. consumers and demonstrates to lenders that the borrower may be a risk.
580-669 Fair This credit score is below the average score of U.S. consumers, though many lenders will approve loans with this score.
670-739 Good This credit score is near or slightly above the average of U.S. consumers and most lenders consider this a good score.
740-799 Very GoodThis credit score is above the average of U.S. consumers and demonstrates to lenders that the borrower is very dependable.
800+ Exceptional This credit score is well above the average score of U.S. consumers and clearly demonstrates to lenders that the borrower is an
exceptionally low risk.
Many lenders use credit scores called FICO to help decisions from Underwriting. Many lenders have their own strategies to help make the decisions. There is no single "cutoff score" used by all lenders as there are many additional factors that lenders may use to determine your actual interest rates. Choosing an experienced lender will definitely help explain all details of the way.
Please check our Credit Tips and Tricks.
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