Asked by tyrone  |  Submitted May 26, 2018

My credit score is 638. What can I do to improve my score to qualify for a mortgage?

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  Answers  |  1

May 28, 2018

First, you need to see your credit score, and full credit report, for yourself. There may be errors or other items on there that are negatively impacting your score that you could work to have removed or corrected. By signing up for Credit Manager by MoneyTips, you can see your full report and know what lenders are seeing for yourself. If you've already signed up, then your next step should be to look and see what negative items are listed and determine which debts to pay down first so you can quickly increase your score.

While there are lenders who will work with lower credit score customers in some circumstances, it may cost you more money in the long run, so try rebuilding your score first. Follow the tips in the articles below:

How to Rebuild Your Credit Score Fast

5 Steps to Rebuild Your Credit
5 Things Not to Do When Rebuilding Your Credit

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