Know Your FICO Score... Often buyers are surprised by their creditworthiness when they apply for a home loan, but most credit card companies offer a free FICO score update! A lender can help you not only to get your loan.... but ALSO to repair your credit... SO while I do believe finding the RIGHT Realtor is important, you should start with a Lender. FICO measures credit-worthiness. Underwriters have determined that people with low FICO scores default on loans with far greater frequency than do their higher scoring peers, so they use three credit bureaus — Equifax, Experian, and Trans Union — to determine your score in several ways: 1. Delinquencies: A 30-day late payment is less risky …