The information provided by these calculators is for illustrative purposes only.The default figures shown are hypothetical and may not be applicable to your individual situation.
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If you had to chose, would it be better to consolidate before buying a home or applying with the debt you have?
Because your credit history has such an important effect on the type and amount of mortgage loan you'll be offered, make sure that you check your report regularly.
If you find it necessary to clean up your report, you will want to do so before you apply for a mortgage.
A credit report shows your financial history, the different transactions you have made, as well as providing your credit risk score.
This score is known as the FICO score, named after Fair, Isaac, & Company, which developed many of the computer scoring models.
Would it be better to consolidate or try with the debt she has?
The facts presented in your question confuse me (you mention you "have" a home but are thinking about buying one, and state that you have a good credit rating but a poor credit history).
As a result, I will answer your question in generic manner, which may or may not match the facts of your situation.
The ideal mortgage shopper comes to the table with three qualities: 1) Steady income; 2) Good credit score; 3) Low debt-to-income ratio.
Be sure to consult a financial professional prior to relying on the results.