Understanding your credit report is crucial. Lenders always consider your credit score when deciding on IF you will qualify for the purchase.Strong credit means a qualified buyer. If your credit score is below the acceptable score there are ways to increase that score over time. Check out this link for more info. https://drive.google.com/file/d/0B3oRJmWU4-d5bmdWMUIyZFU2ejQ/view?usp=sharing