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Whether you’re planning to buy or rent, your credit profile can impact whether or not you’re able to get the home of your dreams.

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I Can't Pay My Mortgage. What Should I Do?

I haven’t been late yet, but I am having trouble paying my...

Will I Be Able to Get a Mortgage Loan After Declaring Bankruptcy?

I filed Chapter 7 bankruptcy almost eight years ago. Should I wait...

How Does an Eviction Affect Your Credit?

I am trying to apply for an apartment but they say there...

What do you need to rent an apartment?

I’m going through a divorce, and I need to get an apartment;...

Can I Report My Mortgage Payments to the Credit Bureaus?

I would like to send in my payment history from my mortgage...

Can You Buy a House with Bad Credit?

I would like to buy my first home. I have been cleaning...

Should You Pay Off Your Mortgage Early?

Is it a good idea to pay off my mortgage early? What...

Are rent to own loans good for my credit?

Dear Readers, People often ask if rent-to-own loans help build a credit history. Unfortunately,...

Impact of Missing One Mortgage Payment

I admit I was late on one mortgage payment in 30 years, and...

How to Obtain a RentBureau Report

How do I get a free consumer report from Experian RentBureau? My landlord...

Previous Mortgage Still Appearing on Credit Report

We refinanced our home with a different lender and my credit report is...

The Effect of Delinquencies During a Short Sale

Will it have more of an impact on my credit report if I...

Improving Your Credit to Buy a House

Before you apply for a mortgage loan, make sure your credit history is in order by thinking about the following factors:

  • Credit Obligations: Make sure you’re current on all of your accounts (credit cards, loans, etc.)
  • Credit Utilization Ratio: Using too much credit may negatively impact your score.
  • Credit History: A long history of on-time payments is ideal.
  • Account Types: A diverse mix of accounts (such as credit cards, student loans, an auto loan, etc.) shows that you manage a variety of credit obligations.
  • Debt-to-Income Ratio (DTI): While your income is not part of your credit report, many lenders will ask for income information to make a more informed decision.
...
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