🎯 Credit Score vs. Credit History — Big Difference! We’re breaking down one of the biggest misunderstandings people have when applying for a mortgage 👇🏼 You might say: “I didn’t actually pay it late!” But here’s the truth… if it’s reported late, it counts as late. Period. 📉 We’re not always looking for a minimum score, we’re looking at your credit history, especially the last 12 months. That’s what really tells the story. So if something pops up on your report, even if it doesn’t feel “fair,