Most of us, at some time or another, have done something to affect our credit rating, perhaps without even knowing it. A late or missed credit card or home mortgage payment is just one example. When you buy a home, your real estate agent will encourage you to get pre-approved for your mortgage. It's during the home loan application process when problems often come to light. For home loan purposes, a score of 650 or higher generally indicates a good credit history and will make it easier for you to secure a mortgage. If your score falls between 620 and (1 comments)