Credit History

For Buyers, Credit Matters—but How Much?

May 20th, 2018
Borrowers not as creditworthy as others often have higher mortgage payments; in fact, according to an analysis recently released by Zillow, the average borrower categorized with credit as “fair” can be on the hook for $21,000 more than a borrower...

CFPB Explores Alternative Routes for ‘Credit Invisibles’

February 22nd, 2017
Twenty-six million Americans are “credit invisible,” or lacking enough credit history to generate a credit score—a factor most lenders use to evaluate loan applications. The Consumer Financial Protection Bureau (CFPB) has begun exploring alternative routes to determine creditworthiness, including cell...

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