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Beyond Credit Challenges
How you have used and currently utilize your credit is significant in the mortgage process. We will take your credit history into account when deciding whether to approve you for a mortgage, and what interest rate you may qualify for.
If you’ve had some bumps in the road that may have impacted your credit, it doesn’t mean you cannot get financing to purchase a home. We understand that you may be facing temporarily credit challenges, so we not only focus on your history, but provide you with options that are designed around your current situation to help you obtain your goals… No matter what your credit history looks like, the best way to understand your options is to not be afraid to ask for guidance, it’s what we’re here for: contact us today.
How can I improve my credit and financial situation?
We'll provide you with free assistance in taking control of your financial success.
Why is my credit score low?
When a lender receives your FICO score, up to four “score reason codes” are also obtained. These reasons are usually more useful than the score in helping to determine whether your credit report might contain errors, and how you may improve your score over time. Below are the top 10 most frequently provided reasons, please note that the wording below may vary by lender:
- Serious delinquency
- Serious delinquency, and public record or collection filed
- Derogatory public record or collection filed
- Proportion of balances to credit limits on revolving accounts is too high
- Time since delinquency is too recent or unknown
- Amount owed on accounts
- Too many accounts with balances
- Level of delinquency on accounts
- Number of accounts with delinquency
- Length of time accounts have been established
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How does income affect my credit score?
It doesn’t. It may only affect your ability to get a loan. Your score is based on your credit history, history of timely payments, and how much you owe to creditors.
Does my score drop if I order my credit report?
Self-inquiries do not affect your score, as long as you order your report directly from the Credit Reporting Agencies or through an organization that provides credit reports to consumers. It is a good idea to check your credit report annually.
Will I have a low score forever?
No. A credit score is a calculation that changes as new information is added to your credit files. Scores change gradually as you change the way you handle your credit. Generally - past credit problems impact your score less as time passes.
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