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First step is to get your absolutely free credit report & score, if you haven’t already. Your next step is to determine if your credit score is actually considered “low”. Sometimes it’s hard to figure out what exactly is a good or a poor credit score. The best credit ratings are 770 points and up. Freddie Mac, for example, considers anything above 770 an “A plus.” A FICO score of over 750 will get you an “excellent” rating from Lending Tree, while Fannie Mae says a 740 is excellent. CBS reports that if you have a 720 or more, you have no worries at all, since that number is in the same level category as an 800. Fair Isaac has declared that anything over 700 is “golden.” Even a person with a credit rating of 650 or better can be considered a prime borrower, as long as there are no records of late payments on their record.
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