There are many factors to consider when looking at your credit score. If you need to apply for a mortgage application, you should check your credit before you apply. Almost 25% of total mortgage applications get denied. If you have outstanding payments, even as little as $1, you can get denied and your credit can drop on average 100 points. We suggest you check your FICO score at https://www.myfico.com/, which is what most banks use to determine your score. If your credit score is under 740, you should contact Tracy Becker at North Shore Advisory!