where in omaha ne or council bluffs iowa can I get a home mortgage loan with the three credit scores of 649,553,524?

Asked by Tammy, Council Bluffs, IA Thu Jul 8, 2010

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Gregorio Den…, , San Diego, CA
Thu May 9, 2013
Find out what is reporting to 2 of the credit bureaus and not the other. Your scores indicate an obvious problem that needs attention.
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Gina Kopera, Agent, Anamosa, IA
Wed May 8, 2013
Your credit score has to be 620 to qualify for a loan.
Mortgage lenders require access to all three credit bureaus for each borrower. They use the mid-credit score. If your three scores were 649, 553 and 524 they would use the middle of the three scores, in this case 553.
Get with a mortgage lender that can help you figure out the most beneficial areas to work on to bring the score back up.
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Gina Kopera, Agent, Anamosa, IA
Sun May 20, 2012

The average has to be 630 or above for a home loan.
You can start working on what needs to clean off your credit report by contacting the credit reporting agency Experian, TransUnion and Equifax. Another options is companies that will help you in the clean up of your credit report, like: http://www.ovationcredit.com/
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