The Credit Score Mentor

Review each of your credit reports thoroughly, verifying the following details are correct on each:

✅Credit card accounts and balances
✅Details on payments made on time
✅Debt payment history
✅Balances due of accounts open currently
✅Number of closed accounts
✅Personally identifiable information is identical across all reports — complete name, address, SSN, date of birth, etc.

I’d love to help you take your credit to the next level. Text me at 225-277-7750 and let’s get started!

The credit score requirements differ by loan type. Below I have listed the different loan types and their minimum score requirements to qualify:

✅Conventional loan: 620 or higher
✅FHA loan: 580 or higher
✅VA loan: 580 or higher (Even though there really isn’t a minimum score set for this loan)
✅USDA Loan: 640 or higher

The higher your score, the more lenders will want to work with you.

Though higher credit scores are considered more favorable for lenders, it’s still possible to get a mortgage with less-than-ideal credit.

It all depends on the type of loan you’re applying for.

Yes you can ask for a CLI every 91 days but ONLY ask for one with the companies that don’t do a hard pull on your credit to do the increase!