So failing to pay bills on time can quickly lower your credit score. It's essential to pay your bills on time to get approved for a mortgage, but it's also a habit you need to adopt going forward in order to have a healthy credit score. ...
Improve Credit Score to Unlock Flexible Mortgage OptionsCanada Mortgage
With interest rates at historic lows, the client wanted to refinance their mortgage. When Ken pulled his client’s credit score, they were both perplexed that it was 699 – relatively low given their overall credit standing. The client couldn’t figure out the reason their score wasn’t ...
Your credit score helps lenders evaluate your ability to pay back your loans, based on your borrowing history. The higher your credit score, the better rates you’ll be able to get. This can lead to significant savings over the life of your mortgage. Rea
some money with a creditor before being issued with a credit line. When you use a secured credit card, you could make small purchases and then pay the balances every month. When you get in the habit of making regular payments, you will have the ability to repair yourcredit scorevery fast...
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How a high credit score could save you money Let’s say, for example, you plan to get a 30-year fixed-rate mortgage for $300,000. Here’s what your loan could look like if you had a credit rating in the 760 to 850 range, compared with one in the 620 to 639 range. Not ...
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Your credit score Your debt to income (or DTI) ratio The value of the property compared to the loan amount The down payment amount The property location Whether or not the property will be your primary residence can my rate go up?
The media has finally injected some creativity and humor into the world of credit scores. Beginning with the slacker-dude in the catchy “FreeCreditReport.com” commercials to the recent ads portraying the low credit score as a flea-bitten mutt, credit scores have emerged from the dark crevass...