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Credit

See your credit the way an underwriter sees it, and improve it on purpose.

In this path

01Which credit score do mortgage lenders actually use?A mortgage specific FICO score from all three bureaus. Lenders use the middle score, and for joint applicants the lower of the two middles.5 min read
02What raises a credit score fastest before a mortgage application?Lowering revolving balances relative to limits. It is usually the only lever that moves meaningfully within one or two billing cycles.5 min read
03What should I avoid doing between pre-approval and closing?Do not open credit, change jobs, move money without a paper trail, or make large purchases. Underwriting rechecks everything before settlement.4 min read

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