How exactly does my credit rating impact my home loan price? a credit rating (also known as a FICO rating, therefore known as for the business providing you with the rating utilized by most loan providers) assists loan providers determine their danger in lending you cash. Your reputation for spending bills on some time your debts that are monthly your credit history, which could are priced between 300 (cheapest) to 850 (greatest). a rating of 740 or above is normally considered really good/. You will find three credit that is national (Equifax, Experian and TransUnion) that maintain credit history. FICO ...