6d • General discussion
Why Your Credit Score Alone Doesn’t Guarantee Home Approval 🏡
A lot of people think paying off collections automatically raises their score or guarantees approval but that’s not always true.
Sometimes it’s:• High credit card utilization• Too many recent inquiries• Thin credit history• Incorrect reporting• Debt-to-income ratio
that’s really affecting the file.
Getting approved isn’t just about having a score it’s about having the right profile.
If you’re planning to buy within the next 6–12 months, now is the time to start preparing, not right before you apply.
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Why Your Credit Score Alone Doesn’t Guarantee Home Approval 🏡
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