There’s a 150-point gap between your everyday credit score and your mortgage credit score — and most borrowers don’t find out until it’s too late. A borrower walks into the conversation with an 800 on her phone. Credit Karma says 800. Her Chase app says 800. She’s been watching that number climb for two years. […]

What Credit Score Do Mortgage Lenders Use​ What’s my credit score? How do I make it better so that I can buy a house? When people have these questions, the internet gives the same typical responses. Go get a free version of your credit score. Sign up for a credit monitoring app. Then, follow the […]

Credit Scoring Education – How Are Scores Calculated? Your credit report is the basis of your FICO score. Your report details your credit history as it has been reported to the credit reporting agency by lenders who have extended credit to you, by court records, and by you. The FICO score analyzes information from the […]