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The Credit Score Myth That’s Holding Would-Be Buyers Back

January 13, 2026

Would-be homebuyers aren’t sitting on the sidelines because they don’t want to buy. They’re sitting out because they think they can’t. And sometimes, it’s their credit score that’s holding them back. According to a Bankrate survey, 2 out of every 5 (42%) Americans believe you need excellent credit to qualify