IIf buying a home is somewhere in your future—even if it's a year or two away—one of the smartest things you can do now is pay attention to your credit.
Your credit score doesn't just affect whether you can qualify for a mortgage. It can affect your interest rate, mortgage insurance and ultimately how much home you can comfortably afford.
And here's something many buyers don't realize: the credit score you see on a free credit app may not be the same score a mortgage lender sees.
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