I have a credit score of 635 currently, that is improving from where it was (a lot worse for a number of years). I realize now (with no negatives on my record) my credit score is lower because of my credit card balance to available credit ratio. I am working to lower that. I have 5 credit cards, and 3 will be completely paid off by June of 2009.
Best VA Loan Rates for 600 to 630 credit score (Plus Approval. – Six Steps To Quickly Increase Your Credit Score . Whether you have a credit score of 600, 605, 610, 615, 620 625, 630 or 635, you can still quickly increase your credit score so your lender can get you approved for a home loan and possibly a better interest rate. a credit score of 635 is ok for USDA and FHA.
It is where your 630 credit score comes into play. Generally, a credit history of 730 to 740 and above is considered excellent credit. Since you are on the average side with a 630 credit score, it is enough to secure you a 630 credit score car loan. Your credit history will affect the interest rate you qualify on your car loan.
For example, if the loan program requires a 640 credit score but yours sits at 635, the bank might not want to approve it because they can’t sell the loan later. A credit union is more likely to.
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In the recent past, a credit score of 720 and above was good enough to qualify for most home loan programs and avoid any negative pricing adjustments. Today, a 740 or even 760 credit score might be the new rule if you want the best possible terms and lowest rates.
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635 is sufficient enough to qualify for credit worthiness via FHA. Although there is no set credit score requirement, the reality is we do face minimum score requirements with 99% of the lenders doing FHA. As stated above, there are other factors but with the credit score being over 620 you are ok to at least submit an application for qualifying.
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630 ish credit score , 1st home buyer .. can i try buying now? Asked by newhomebuyer, 20171 Tue Mar 6, 2012. Hello all, I have had past financial trouble due to job loss but now iam all debt free and paid all debts. still have some neagtive items listed on credit report and working towards repairing the credit.