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How to pump up your credit score

Following is an article I read in The New York Times I thought would be helpful. I can personally attest to the insanity involved in obtaining a loan nowadays. I would suggest you pay attention to the following article. You might not imagine the “horrors” of obtaining a loan or refinancing, but I guarantee you, most of what you read and hear about trying to qualify for a loan is TRUE.
To avoid another real estate bubble, many lenders have tightened their mortgage requirements.  According to a report by the Federal Reserve, a majority of banks are less likely to offer loans to people with a FICO score of 620 and a 10 percent down payment than they were in 2006.  Lenders were also less likely to do so even for those with a score of 720.  The good news though is there are some tactics that consumers can employ to raise their scores.
Why are home loans so difficult to obtain? Making sense of the story
First, it is worth noting that median credit scores are rising, as people reduce debt and spend less in tight economic times.  Some 18 percent of Americans now have scores of 800 ... more

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