Is 705 a good credit score?
It will depend on your debt/income ratio. If you are reasonably debt free, you will, in this market have a lot better chance of getting a loan at the lowest interest rate. Pay off all credit cards, and destroy all but the bare necessity. You can calculate your own debt/income ratio by calculating what percentage of your income is used to make time payments. The ratio should be very low.
by Cat Lady - 8 hours ago
It depends on your income as well, man.. U are only 22... Unless you have a decent job that will be stable and safe.... I would not buy a house when I'm 22 with 700ish credit...my friend he got paid 6000 and his gf got 5000.. They both worked at hyatt hotel..then they bought a 400,000 house.. This year they both got fired becuz of the economy... Then... They were crying to me and nothing could help.. They wanna sell the house but nobody wanna buy.. The house only worthes 250,000now!!! What could they do! I told them just to rent a condo and prepare enough cash.......
by lexchen86 - 8 hours ago
Before you apply for your mortgage do not use your credit card for 3 months. If you do, make sure that you "pre-pay" the card so that you have a credit balance on it. This will give you the ultimate credit. Now is a good time to order your credit reports for free - no credit card required at annual credit report . com Dispute or remove anything on the you want. They will make a decision and send you a reviewed report. Enjoy your life. And I wish you many more babies. .
by Judy - 8 hours ago
705 is pretty good! Yeah, it is enough!
by Nicole Lynn - 8 hours ago
by Purple - 8 hours ago
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