What Homebuyers Need To Know About Credit Scores If you & rsquo;re believing about buying a house, you should know your credit history & rsquo; s an important piece of the puzzle when it pertains to certifying for a house loan. Lenders review your credit to evaluate your ability to pay on time, to pay back debts, and more. It’& rsquo; s likewise a factor that assists determine your mortgage rate. A short article from Bankrate discusses: