In today's economy the banks are requiring higher credit scores than in the past, however credit score is not the only factor. They also look at monthly income and current monthly debt as well as other things. If you want to get an idea of what your credit score is go to (http://www.freecreditscore.com
) to see what your score currently is. I also recommend you contact a mortgage company if you are planning to purchase a home. They will let you know if you qualify for a mortgage and for how much you qualify for. If not they will let you know what you need to do to qualify. If I can be of any assistance, please don't hesitate to contact me at (732) 239-7452.