Personal Finance / Credit and Debit Cards / Loans / Improving Your Credit Rating / Money Management / Credit
If your credit score is 520 and you have no credit card debt can you get a first time home owner loan?
It may be possible: become a member of a competitve credit union. Shop for a credit union that offers loan rates based on credit rating. The advantage of taking care of your credit will become instantly clear: the better your credit score, the lower your loan rate. Credit unions work for their members and will also counsel you on how to improve your credit.