Your Credit

Your ability to use credit responsibly and repay creditors on time has a lot to do with how much access to credit you will have in the future.  Building a solid credit history gives you more buying power when you need it, and that can be especially valuable when you are buying a home.

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Before lending you money, creditors — including mortgage lenders — use your credit report to find out how you've used credit in the past.  To understand how a lender may judge your credit history, you need to be familiar with your credit report and the score associated with it.

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Whatever financial challenges you have faced, improving your credit standing will help you move past them.  Whether you need to rebuild a damaged credit history or simply continue strengthening your rating, there are some simple things you can do to get closer to your goal.

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