New standards introduced in 2026 allow lenders to use updated scoring models like and VantageScore 4.0 , which can factor in rental and utility payment history.
What is a good credit score to buy a house? - Fidelity Investments
A higher score doesn't just mean approval; it directly impacts your monthly budget.
: Keep credit card balances below 30% (ideally below 10%) of your limits.
New standards introduced in 2026 allow lenders to use updated scoring models like and VantageScore 4.0 , which can factor in rental and utility payment history.
What is a good credit score to buy a house? - Fidelity Investments
A higher score doesn't just mean approval; it directly impacts your monthly budget.
: Keep credit card balances below 30% (ideally below 10%) of your limits.
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