If you're planning to buy a house, your credit score is a crucial factor that comes into play before you start.
A good credit score not only streamlines your mortgage application, it also reduces the mortgage interest rate you pay.
The credit score you need to buy a house depends on what type of loan you are applying for.
If you have the money for a down payment and a high credit score, a conventional loan works for you.
If your score is lower than 620 and you have less down payment money, you can apply for an FHA loan.
A USDA government loan is for scores above 640. This comes handy if your house is located in a rural or suburban area.
Once you have picked the right loan that suits your needs, go ahead and apply for a mortgage.
If you need to improve your credit score, work on paying outstanding debt and making payments on time.
The bottom line: The higher your credit score is, the better mortgage loan you will qualify for.