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Many young buyers wonder " Is my credit high enough to get a home loan?". In today's market, the credit score is very important and can also affect your interest rate. There are many ways you can improve your credit score and/or repair your credit. Some simple things include getting a small credit card and keep it paid to zero. Your credit score will go up immediately when you have available credit. It is also true that if you pay your balances down, your score will go up. If you have credit problems, don't give up. Anything can be fixed, call a professional if you need help.