For many first time buyers, credit scores and why they are needed can cause more confusion than the home buying process itself. While there are many factors that affect your credit, the article below will help you define what credit means and what you can do to raise your score.
http://amandapowell.realtytimes.com/advicefromagents1/item/37053-what-credit-score-is-needed-to-buy-a-home
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