Your credit score controls the interest you will end up with. The higher your credit score, the lower your interest rate. For example- if your FICO score is 620 on a $216,00 loan your interest rate will be 7.93% or $1575 a month. If your score is 760, your interest rate will be 6.34% or $1343 a month. A savings of $232 a month! So trying to clean up your credit will save you lots of money in the long run. If you need help cleaning up your credit, let us know. No cost or low cost! - Fri Sep 28 2007, 08:35