Start by pulling your reports from all three bureaus and checking them for errors, since a dispute can take up to 45 days. Then talk with a mortgage lender early, because lenders review scores differently by loan type. Avoid opening new credit or making large purchases while you apply. Credit consulting can help with errors on your report, but no company can guarantee that you will be approved for a loan.
Lenders usually pull scores from all three bureaus. For conventional loans backed by Fannie Mae and Freddie Mac, the middle of three scores is generally used. FHA and other loan programs have their own rules, so ask your lender which score it will use and which version applies.
It depends on the loan program and the lender. For example, FHA-insured loans can allow a down payment as low as 3.5 percent with a credit score of 580 or higher. Conventional and jumbo loans often require higher scores. Your lender can tell you the current requirements for your situation.
Yes, if you find them. Start disputes early, because the bureau's investigation can take up to 30 days, or up to 45 days if you send more information. Keep copies of all letters and results, and share your dispute timeline with your loan officer so you know when corrected information may appear.
Generally, yes. New accounts, new inquiries and higher balances can change your score and your debt-to-income ratio. Ask your lender before you open accounts, move money between accounts or co-sign a loan.
You can speak with a mortgage lender, a HUD-approved housing counselor or a credit consultant. Fix Your Credit Consulting has offices in Studio City and Valley Village and offers a free consultation and a general review of your credit scores. We do not guarantee loan approval.
Last reviewed October 15, 2026 by Sandra Ruiz, CEO.
Start with a free consultation and a general review of your credit scores from the three bureaus. Individual results vary.