Credit Score 101: Pump up your number

The lending landscape has changed dramatically during the past three years, but not this fact: Credit scores are one of the most important criteria lenders use to calculate how much you can borrow -- and at what rate -- to buy a home.
While interest rates remain near historic lows -- 30-year fixed mortgages have averaged 6 percent or below for the past few years -- qualifying to actually get those rates is
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