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10 Best Credit Repair Companies If your credit report is marred by irregularities such as late payments, debt collections, and bankruptcies, it may become impossible for you to buy a car, home, or lend any type of loan. Major lenders in the US, including Bank of America Corporation (NYSE: BAC), Ally Financial Inc. (NYSE: ALLY), JPMorgan Chase & Co. (NYSE: JPM), or loanDepot, Inc. (NYSE: LDI) will not lend you if your credit score is below 600, thanks to the increasing financial regulation and tight checks after the 2008 financial crisis. In case you hire a mortgage broker to secure a loan, you will have to pay extra money in the form of higher interest rates. According to the loan savings calculator of myFICO, the consumer division of data analytics company Fair Isaac Corporation (NYSE: FICO), your mortgage interest rate may vary by 1.5% depending on your credit score.

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