Scoring models read your credit reports: whether you pay on time, how much of your available credit you use, how long your accounts have been open, the mix of accounts and how often you apply for new credit.
Why it matters
Your score affects which loans are open to you and what they cost. Small habits, such as paying every bill on time and keeping card balances low, move it over time.
Where you meet it
Every mortgage starts with a credit check, and the guides below cover what helps your score before you apply and what to avoid until closing.
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