just checked my credit score

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so i am trying to get a better understanding what it needs to be so i could get a home loan.

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I'd be embarrassed trying to get a loan with that credit score. You may try to increase your CC limits to try to improve that score first.

With a score of 813 you can go to any bank piss on the loan originator then frick his wife on his desk and he'll still want to give you a loan.

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just checked my credit score


and it is 813. How good or bad is that score. dont really understand how all the points system works. Looking to buy a house in the next 2 years so i am trying to get a better understanding what it needs to be so i could get a home loan.

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Here is a serious answer. This is a really good score. My score was in that range 10 years ago when I was car shopping and the salesman said he'd never seen one so high.

Soon after that, I bought a house. Do not go to a bank with that score. The bank does not have good interest rates. Use a mortgage broker. Ask friends for a referral. My interest rate on my house is 4.65 or something like that. You should get the primo rate. Have a downpayment, and you don't have to pay PMI or escrow taxes or insurance. You can get a great deal.

BTW, good for you for having such a good score. With all the people out there when a ton of credit card debt robbing Peter to pay Paul, you should be proud no matter how much you make.