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: You may face higher interest rates or struggle to qualify for conventional loans , which often require at least a 620 for a mortgage. 2. Identifying Account Numbers

: Most lenders prefer FICO, but you might see a free VantageScore from services like Credit Karma. The "Magic" Ranges : credit-report-numbers

Decoding Your Credit: What Do All Those Numbers Actually Mean? : You may face higher interest rates or

The most famous numbers on your report are your credit scores, which typically range from . which typically range from .