666 Credit Score
For many people, seeing the numbers 666 causes fear and panic. A hairy beast with short pointy horns 
and a long tail?
Homebuyers who see 666 on their credit report shouldn’t be fearful, but they should be concerned. As this post states, those with bad credit may run the risk of working with bad lenders who specialize in lending money to borrowers with average to poor credit. Still, just because you have poor credit doesn’t mean you have to work with a bad (i.e. unethical, manipulative, or dishonest) lender.
My point is that 666 is, in my opinion, a lower than average credit score. I like to see credit scores higher than 700, and higher than 720 or 730 is preferable. Remember: the higher the credit score, the lower the (potential) risk. And (in general) the higher the score, the more programs and lower interest rates. Not always, but most of the time.
It’s so important to pay attention to your credit history. Try not to ‘max out’ credit cards.
If you have a collection, it is very important to clear this up immediately either by paying the amount or investigating and, if the collection is not valid, have the collection agency report the error to the credit bureaus. Even if you have a collection for only $1.00, by leaving it on your credit report your credit scores will go down.
Any incorrect late payment? Again, have them corrected. Don’t wait.
Paying attention to every single item on your credit report will help you maintain strong credit. The devil is in the details.
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