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Improve Your Credit Score

Credit scores only consider the info in your credit profile. They do not take into account income, savings, amount of down payment, or personal factors like sex ethnicity, nationality or marital status. Fair Isaac invented FICO specifically to exclude demographic factors like these. Credit scoring was developed to assess a borrower’s willingness to repay the loan while specifically excluding any other irrelevant factors.

A Score that Really Matters: The Credit Score


Before deciding on what terms they will offer you a mortgage loan, lenders must discover two things about you: whether youcan repay the loan, and how committed you are to repaythe loan. To assess your ability to repay, they look at your income and debt ratio. To assess your willingness to repay, they use your credit score.

Fair Isaac and Company calculated the first FICO score to assess creditworthiness. We’ve written a lot more on FICO here.

Past delinquencies, derogatory payment behavior, current debt level, length of credit history, types of credit and number of inquiries are all considered in credit scoring. Your score comes from both the good and the bad of your credit report. Late payments lower your credit score, but consistently making future payments on time will raise your score.

For the agencies to calculate a credit score, you must have an active credit account with six months of payment history. This history ensures that there is enough information in your credit to calculate a score. If you don’t meet the minimum criteria for getting a score, you might need to work on a credit history before you apply for a mortgage.