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Credit Score Myths Costing Buyers Homes

In this episode of 2 Guys Talkin’ Houses, we break down the biggest credit score myths that trip buyers up — and what’s actually changing behind the scenes with credit scoring, approvals, and what lenders are now able to consider. We cover the difference between FICO vs VantageScore, why your “Credit Karma score” can be way off from a true mortgage score, and how things like rent payments and even certain recurring bills are starting to matter more than people realize. We also dig into Buy Now, Pay Later accounts (like Klarna) and how they can quietly impact your debt-to-income ratio, plus what happens when a buyer has no credit score at all and still gets approved through alternative data and cashflow analysis. Finally, we talk about trigger leads (and why people get spammed the second credit is pulled), rising credit report costs, and why prepared buyers are winning more often in today’s competitive market. 💬 Your Turn Have you ever been surprised by your credit score — or been hit with trigger-lead spam after applying? Drop your experience in the comments. ⏰ TIMESTAMPS 00:00 – Credit scores are changing 00:34 – How credit scores actually work 01:31 – FICO vs VantageScore 02:28 – Why rent payments matter 03:18 – Buy Now, Pay Later & hidden debt 04:45 – No credit score? How approvals still happen 07:01 – Borrowing against crypto for a down payment 10:41 – Borrowed down payments & underwriting rules 13:23 – What’s changing in credit scoring models 15:09 – Trigger leads & rising credit costs 18:25 – Why buyer activity is rising 21:14 – Why prepared buyers win 26:39 – Final takeaway 🏡 Need a Mortgage? 💰 Get expert home loan solutions with Marc Elliott 👉 https://marcdoesloans.com 📌 NMLS# 234917 🔑 Need a Real Estate Agent? Work with a trusted pro, Stephen Barnhill 👉 https://docs.google.com/forms/d/e/1FA... 📌 TREC# 791477 📢 Don’t Miss Out! 📺 Subscribe for more real estate & mortgage insights ➡️    / @2guystalkinhouses   #creditscore #homebuying #mortgage #realestatepodcast #firsttimehomebuyer #creditrepair #vantagescore #fico #mortgagetips #loanapproval #buyingahouse #texasrealestate #houstonrealestate #mortgagerates #realestateeducation