what’s the lowest credit score you can have

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Everyone seems to have. low, plus avoiding opening too many accounts in the same time period, will help you build your.

What is the lowest credit score possible? This question can be a little too vague, since there is no unified, universal credit score per se – there are several credit reporting agencies and any lender is free to use whichever agency they choose to. In reality, the main two credit agencies are Equifax and Experian, so let’s look at those.

On the one hand, the lowest credit score you can have according to the standard 300 to 850 scale obviously is 300 . The minimum is lower for some niche credit-score models – 250 for FICO’s Auto & Bankcard scores, for example, and zero for the Experian National Equivalency Score – but those are distinct exceptions to the overall rule.

What credit score do you need to make the lowest down payment? In some cases, a lower credit score may require you to make a bigger down payment. To get an FHA loan, the minimum score for you to make a minimum down payment is 580. If your score drops even one point less to 579, your minimum down payment requirement goes from 3.5% to 10%.

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The higher your credit score, the more options you’ll have. To get to the best interest rate for a conventional loan, you’ll need to get your credit score upwards of 740. Since getting there may take a while, consider an FHA mortgage which has no added fees for lower scores, so you can get access to the best rates with a FICO near 600.

The one sector that seems to have. credit cards come with limits as low as $250, Petal Card offers higher credit limits. This helps you decrease your debt-to-credit ratio, an important factor in.

There isn’t a clear answer since there are difference types of credit scores used by lenders – they vary by country, credit bureau, credit developer, time period, and type of lending product. For FICO Scores in the U.S., 300 or 350 is the most com.

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