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should i apply for a bank loan with a 645 credit score?
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is this your credit karma score? If not then what should your credit karma score be before attempting to apply for a home loan using fha? 

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If you are applying for an unsecured bank loan, I would advise against it. If you are purchasing a home, your score is almost the bare minimum for a typical FHA mortgage loan. 

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With a 645 mid score you would meet the score requirement for a FHA home loan.

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your score is marginal.. depending on what you are borrowing for, I would say youve got a better than 50/50 chance of getting shot down, unless you have great references, a big down payment, and an above average work history and debt to income ratio...  your score is just one piece of the puzle and just because one bureau says you are a 645, that is no gurrantee the other 2 bureaus will have score that high... if the other score are lower, then count on being declined...

the current economy factors into this also, after the foreclosure meltdown, banks are in no mood for anything less than the best credit risk these days.

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