There are lenders that lend on credit score above 630 with a good package. I would try to save as much as yo can in a savings account because that is a really important part of the equation. Have you looked at your credit score online
http://www.experian.com you the right to pull your own credit scores- for free -once a year. Usually with folks new to credit you need to have more open accounts. Lenders like at least three open active revolving accounts. So you might have to use your accounts with zero balances and pay them off over 6months to show you can mange it. I would definitely advise you to talk to an experinced loan officer who can give you advice for your indivual needs. If you need a referral let me know.
- Thu Sep 18 2008, 17:30