I thought 620 was considered fair. I thought it is good enough to get approved for unsecured credit cards or an FHA mortgage. I do have collections, charge offs, and about 20 inquiries on my credit, do I need to wait for these to fall off before I can get approved? If FHA is guaranteed by the government, why would they deny me, no risk to them.
Added (1). my score is from credit karma, I think they use vantage
Read more: https://allmortgage.net/forum/is-620-a-bad-credit-score.html
