Show Pros, Cons, and More An icon in the shape of an angle pointing ... Best for Those With No Credit History Guild Mortgage is our favorite lender for first-time homebuyers, thanks to its ...

Your credit score represents your creditworthiness to lenders based on your credit history. Credit scores from the two main credit scoring models, VantageScore and FICO, range from 300 to 850.

An adverse credit history is a track record of poor repayment history on one or more loans or credit cards. Adverse credit history will be reflected in a consumer’s credit report. It will lower ...