CREDIT LOVE LANGUAGE
Learn the Language Underwriting Understands.
Every relationship has a language.
Credit does too.
Your credit report tells a story about how you’ve
managed financial obligations over time. And when you’re
preparing for a mortgage, understanding that story can
change the way you approach the conversation.
LEARN THE LANGUAGE.
UNDERSTAND YOUR STORY.
PREPARE FOR THE MISSION.
We provide the tools. You make the move.
YOUR CREDIT IS TELLING A STORY
Your Credit Is Telling a Story.
Your credit score may get most of the attention, but it is only one part of the picture. Your credit report contains information about accounts, balances, payment history and other credit activity. Mortgage underwriting may use that information — along with the rest of your loan file — to better understand risk and your overall borrowing profile.
That does not make your credit history a judgment of who you are.
It is information.
And information can be understood.
YOUR CREDIT HISTORY IS INFORMATION.
IT IS NOT YOUR IDENTITY.
The goal of Credit Love Language is to help you learn what the information may be saying before someone else has to explain it to you.
LEARN THE LANGUAGE
Learn the Language, Not Just the Score.
When mortgage professionals review credit, they may be looking at patterns — not just a three-digit number. Credit Love Language helps you recognize some of the information that may become part of the underwriting conversation.
Payment Patterns
How have accounts been paid over time? Late payments and other payment history can become part of the story underwriting reviews.
Balances & Revolving Credit
How much credit are you using? Balances, available revolving credit and recent changes can affect the way your overall credit profile looks.
New Credit & Inquiries
Have new accounts recently been opened or credit requested? New obligations can change the financial picture during a mortgage transaction.
Major Credit Events
Collections, charge-offs, bankruptcies, foreclosures and other significant events may require additional review depending on the loan program and circumstances.
The Bigger Picture
Credit is only one part of mortgage qualification. Income, debts, assets, property, loan program and other factors can also matter. The point is not to memorize underwriting rules — it's to understand the language well enough to ask better questions.
THE BIGGER PICTURE
Credit is only one part of mortgage qualification. Income, debts, assets, property, loan program and other factors can also matter. The point is not to memorize underwriting rules — it’s to understand the language well enough to ask better questions.
READ YOUR OWN STORY
Read Your Own Story.
You don’t have to wait until you apply for a mortgage to see what’s on your credit report. Start by reviewing your own reports and making sure the information belongs to you and is being reported accurately.
1
Get Your Reports
Use the federally authorized AnnualCreditReport.com website to access your available credit reports.
2
Read the Details
Review account names, balances, payment history, account status and other information. Don’t focus only on the score.
3
Look for Information That Doesn't Belong
If something appears inaccurate or is not yours, use the appropriate credit bureau dispute process.
4
Understand What Is Accurate
Accurate negative information is different from an error. Understand what is being reported and how it may affect the mortgage conversation.
5
Make Your Next Move Intentionally
Before opening new credit or making major credit changes, understand how the decision may affect your mortgage plan.
GET YOUR FREE COPY
Get the Free Credit Love Language Guide
Want a simple resource you can keep with you?
Download the free B.O.M.B. Credit Love Language Guide to help you better understand the credit conversation that can take place during mortgage underwriting.
Use it to review terminology, organize your questions and prepare for the next step in your homeownership mission.
NO PROMISES. NO JUDGMENT. JUST INFORMATION YOU CAN USE.
Get the Free Guide
Enter your information to receive the Credit Love Language Guide instantly.
We respect your privacy. Your information will only be used to deliver the guide. Optional marketing consent will be requested separately.
KNOW WHAT CREDIT LOVE LANGUAGE IS
Know What Credit Love Language Is.
B.O.M.B. believes education should give you more confidence — not more promises.
B.O.M.B. Does
✓ Help explain credit terminology in plain language.
✓ Help you better understand how credit information may become part of a mortgage underwriting review.
✓ Encourage you to review your own credit reports and question inaccurate information.
✓ Give you educational tools to help you prepare and ask better questions.
B.O.M.B. Does Not
✕ Guarantee a credit-score increase.
✕ Promise to remove accurate negative information.
✕ Guarantee mortgage approval or specific loan terms.
✕ Make underwriting decisions.
✕ Tell you that one score defines your ability to become a homeowner.
YOUR INFORMATION. YOUR JOURNEY. YOUR MOVE.
We provide the tools. You make the move.
IT ALL CONNECTS
Credit is Part of the Mission. Not the Whole Mission
Homeownership is bigger than a credit score.
It is preparation, decisions, timing, persistence and understanding how the pieces work together.
Use Credit Love Language as one tool in your larger Mission: Homeownership journey.
Learn what your credit is saying.
Understand the questions worth asking.
Then keep moving toward the mission.
NEED MORE HELP?
Let's Talk About Your Next Step.
Have a general question? Join B.O.M.B. LIVE on YouTube and Facebook for free mortgage and homeownership education.
Need private one-on-one help understanding information in front of you? Visit B.O.M.B. Real Estate Advocate
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Credit Love Language is provided for educational and informational purposes. Credit scoring, underwriting and mortgage eligibility can vary by credit model, lender, loan program and individual circumstances. B.O.M.B. does not guarantee credit-score changes, deletion of accurate credit information, mortgage approval or specific loan terms. If you believe information on your credit report is inaccurate, use the appropriate credit bureau or information furnisher dispute process.