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Credit Score in Ponte Vedra Beach : Real Estate Advice

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  • Home Buying18
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Activity 2
Mon Oct 29, 2012
The only items that affect your credit score are items listed on your credit report and rent typically is not reported to your credit report. However many people have had success with reporting the rent to the credit bureaus, and that is one way your rental history can help out your score.

With USDA financing people with scores less than a 640 who are manually underwritten are *required* to have rental history, and generally scores less than 620-640 are manually underwritten, so having a rental history wouldn't help "offset" low scores with USDA financing.
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Thu Jun 27, 2013
Anna M Brocco answered:
What is your loan officer can dispute any negatives, pay down debt, pay off old debt, keep credit cards below 50%, pay all bills on time, reduce your debt to income ratio, etc. ... more
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