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Your credit history or credit profile is extremely important
to you, because it significantly affects your ability to get a mortgage.
Because a home mortgage involves lending a large sum of money, lenders look
at how you've paid other loans and debts to indicate how you will repay
your mortgage. When your credit is less than perfect, all other
qualification criteria such as equity, stability, income, assets, and so
forth, play an even larger role in the approval decision.
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