Your credit score impacts your ability to get a mortgage - and, hence for most, the ability to buy a house. Without needing a mortgage, credit doesn't come into play. However, for most buyers, a mortgage is a part of the process. There are points at which qualifying for a mortgage can become difficult if credit ranges are below certain limits. However, there are numerous mortgage programs and rate options available for a variety of credit histories. Typically, the higher the credit score the lesser the interest rate is going to be for various programs. FHA offers options for those that may have difficulty qualifying for traditional loans that can be a great resource too. Hope that helps! Check out the link I have provided to a variety of information on credit history, scores, and mortgage info too. Best of luck to you.