If your credit score is a 655 or higher, and you meet other requirements, you should not have any problem getting a mortgage. Credit scores in the 620-680 range are generally considered fair credit. With a 655 score, you may potentially be eligible for several different types of mortgage programs.

A 609 Dispute Letter is often billed as a credit repair secret or legal loophole that forces the credit reporting agencies to remove certain negative information from your credit reports. And if you’re willing, you can spend big bucks on templates for these magical dispute letters.

Removing Collection Accounts From a Credit Report “This is completely legal under the FCRA. That said, some debt collection agencies take the initiative and request that negative account information be deleted for customers who have successfully paid their collection accounts in full.

Here’s how to improve your credit score in 30 days:

1. Pay down revolving balances to less than 30%
2. Remove recent late payments.
3. Remove a collection account.
4. Raise your credit limits.
5. Charge small amounts to inactive credit card.
6. Get credit.

You’ll need a FICO credit score of at least 500 to qualify for a Federal Housing Administration, or FHA, loan, but other programs may require a score of 620 or higher.

Typically, the credit score needed to get a personal loan can be anywhere between 600 and 700, depending on the lender. The majority of lenders require something in the 640 – 660 range.

580

Easiest Credit Cards to Get Approved for in 2021

• OpenSky® Secured Visa® Credit Card.
• Petal® 2 Visa® Credit Card.
• First Progress Platinum Elite Mastercard® Secured Credit Card.
• Journey Student Rewards from Capital One.
• Credit One Bank® Visa® Credit Card.
• Capital One Platinum Credit Card.
• Secured Mastercard® from Capital One.

640 to 699