Florida Homes Mortgage
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Your credit score can cost or save you tens of thousands of dollars. Learn how it works and how to improve it.
Credit Report scores are the credit scores most lenders use to determine your credit risk. You have three Credit Report scores, one for each of the three credit bureaus — Experian, TransUnion and Equifax. Each score is based on information the credit bureau keeps on file about you. As this information changes, your Credit Report scores tend to change as well.
If you don't think that your Credit Report scores are important, think again. The rate you can expect to pay for a loan is dependent on these scores. The difference between a Credit Report score of 620 and 760 can often be tens of thousands of dollars over the life of your loan.
💡 The Difference: A person with a Credit Report score of 760 or better will pay $227 less per month than a person with a score of 620 — that's a savings of $2,724 per year!
Delinquent payments have a major negative impact
High outstanding debt affects your score
Don't just move it around — actually reduce it
Length of credit history matters
Multiple inquiries for one loan are grouped
New accounts paid on time will raise your score
Continually updates with new information — fluctuations of a few points are common.
You need at least one account open for 6+ months and updated in the past 6 months.
No! Checking your own credit report does NOT affect your score.
760+ gets the best rates; 700+ is good; 620+ may qualify for most loans.
Even if you think your credit is fine, there may be errors on your credit report. Addressing errors before you begin the process may be annoying, but dealing with them while you're in the middle of trying to secure a loan will be downright infuriating.
Your credit score is your financial future. Let's make it as strong as possible!
"Miguel told us the first step to buying a home was checking our credit scores. We followed his advice, fixed errors, and improved our scores. By the time we applied, we qualified for the best rates available!"
"We wanted to buy a home but had no idea where to start. Miguel said, 'Let's check your credit first.' He reviewed our reports, gave us a plan, and within 4 months we were ready. Best advice we ever got."
"Miguel emphasized starting with our credit scores before even looking at homes. He was right — we found issues we didn't know existed. After fixing them, we qualified for a much better loan. He saved us thousands by having us prepare first."
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