starting credit score at 18
In Canada the minimum credit score to get a mortgage is 640. As a student just starting to build credit its natural to have a low credit score or not have a score at all it takes six months of credit history to qualify for a FICO credit score.
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However borrowers should aim for a credit score of 760 or higher to get access to the best terms rates and loans.

. Most people decide to improve their credit score when theyre preparing to apply for credit or if theyve struggled to qualify for a credit card loan. In America the minimum credit score for more mortgage loans is 620. Most lenders offer FHA loans starting at a 580 credit score.
A credit score of 600 to 650 is the financial equivalent of that follicular midpoint its probably not good enough for a prime rewards card. Mortgage relief and Congress mortgage stimulus in. If your score is 580 or higher you need to pay only 35 down.
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