Five actions that measurably raise a credit score in the 30 to 90 days before a mortgage application: lowering utilization on revolving accounts, disputing reporting errors, avoiding new credit inquiries, handling collections correctly, and becoming an authorized user. Includes the score thresholds that change FHA and conventional pricing. Written by Jorge Flores, Senior Loan Officer at Neighborhood Loans, NMLS #224368.
Jorge A. Flores, Senior Mortgage Loan Officer, NMLS #224368. Neighborhood Loans, NMLS #222982. Berwyn, Illinois. Telephone (708) 220-3364. Service available in English and Spanish.
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Equal Housing Lender. Neighborhood Loans is an Illinois Residential Mortgage Licensee. This is not a commitment to lend. All loans subject to credit approval; program terms, amounts and availability are subject to change.