RSSHow do I find out my credit score (I would like to buy a house soon)?
February 28th, 2010 by admin | Filed under good credit score number.|
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How do I find out my credit score? I would like to buy my first house and need the information so I can figure out how much money a bank would loan me for that goal. What is a good number to have as a credit score? If my credit score is not good how can I improve the score?
One go to creditboards.com They have helped me a lot!
But to answer your question in general. Go to MyFico.com and you can get all of your real FICO scores, but you have to pay for it. Anything under 700 and you are going to pay more for your loan in interest. Credit is getting harder to get now a days with the forecloser rates.
If your credit is less then desirable you can raise it a few ways:
Get a credit card and only use 30% of it or less a month it and pay it off in full every month. Have a car payment in your credit report.
You can get free credit reports (but not scores) at http://www.annualcreditreport.com. Your income and other debt will also be major factors.
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You can get it on a website like Equifax.com which is my favorite. You will have to pay a small charge but its worth it. Different places have different requirements on getting mortgages. The mid 600’s is a decent score. The higher the better and the higher end will get you a better interest rate.
If your score is not good a good place to start is bringing down your debts such as credit cards, etc. You need a good debt-income ratio as well.
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I work at a bank.
One go to creditboards.com They have helped me a lot!
But to answer your question in general. Go to MyFico.com and you can get all of your real FICO scores, but you have to pay for it. Anything under 700 and you are going to pay more for your loan in interest. Credit is getting harder to get now a days with the forecloser rates.
If your credit is less then desirable you can raise it a few ways:
Get a credit card and only use 30% of it or less a month it and pay it off in full every month. Have a car payment in your credit report.
References :
Go to http://www.annualcreditreport.com
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you can go to: https://www.annualcreditreport.com/cra/index.jsp
you get free report from all 3 companies. your score will cost about $8 from ea. co. so total cost for scores about $24
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free credit reports can tell you right away
no fee
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Great post! I completely understand your question. Money is hard for a lot of people right now since the enconomy is going down. My friend told me about this website of an organization that gives people up to $1500 towards their rent or mortgage. It’s available in most areas, so I think you should check it out.
http://www.rent-mortgage-assist-you.org
Hope this helps!
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You need to find a respectable local lender in your area. They can provide you with all of the information you need to buy a home. They will pre-approve you ( tell you how much you can afford) and provide you with your credit score at no cost. Typically in today’s market a credit score less than 680 won’t get you much. If you are unsure about a mortgage company to choose your best bet would be to hire a real estate agent who can point you in the right direction and help you along the way. Especially a good idea if you have never bought real estate before, you really need an agent to represent you. A good idea for anyone.
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Real Estate Agent
Before you even start looking..you would need to get pre-approved for a mortgage. The lender checks your credit report at that time.
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