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Because lenders may pull your credit score from multiple sources or may like to look at several different credit scoring models, what becomes important is the range you fall into. That is basically the purpose of the credit models having these ranges in the first place.
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Credit History and Score Requirements. If your credit score is below 580, however, you aren’t necessarily excluded from FHA loan eligibility. Applicants with lower credit scores will have to put down a 10 percent down payment if they want to qualify for a loan.
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