Do you think credit is out of reach?

Do you think credit is out of reach? Guess what? It’s not. Even if you don’t have any credit, you can still get credit. There are people out there who have a total credit score of zero. In fact, almost 11% of Americans either do not have credit or have too little credit to score. But, it’s always available. You just have to work for it.

To learn more credit strategies, and how you can get a mortgage when the bank says no, go to YMCCoach.com.

What’s a Good Credit Score?

What does a good, solid, lender-friendly credit score look like?

In the mortgage industry, lenders like to see scores above 760. Anything under 660 could get a Simon Cowell-like rejection. Okay, maybe not that harsh, but still. You’ll risk hearing “No” more than “Yes” if your credit score is too low.

Do you know what your credit score is? To find out for free, go to AnnualCreditReport.com. You can also pay to get your FICO scores by going to MyFico.com.

To learn more about credit, and how you can get a mortgage when the bank says no, go to YMCCoach.com.