I have written extensively here on FICO scores and how to improve one’s credit rating to be competive when it comes to getting a mortgage or other types of loans. I have been meaning to get to a service which purports to issue all of a clients credit scores instantly online for a fee….the [...]

FICO Score Defined
A FICO score is one of the three credit scores calculated by the three credit repositories to determine your credit risk. Even though you have three different credit scores, only one is used for things like qualifying and pricing. For pricing and all other things that involve a credit score, the [...]

The Fico score used by Experian along with the other two credit scores created by other bureaus, is a more powerful influence in mortgage approval than ever before. Fico scores are now not only used to approve the loan but better scores get better rates.
FICO Score Only One of Three
Three bureaus have created 3 [...]

Here’s the entire question,
“My husband and I are married, his credit is perfect and mine is poor. Do you think he should put the property on his name only? If we are married it is legally both of ours, right? “
Spousal Bad Credit
The mortgage approval is largely dependent on all borrowers credit scores so to [...]