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Sometimes, damaging your credit is the lesser of two evils and necessary so you can move on, says Dr. Don Taylor.

Good credit not good enough (The Record)
Both families built their plans around already established home equity lines of credit, and both had those plans shot down by the two big-time lenders.

Mortgages (Sun-Sentinel)
740 Mortgages In general, the bigger your down payment, the better chance you’ll have at getting the best available rate, as long as you have a credit score of at least 740 or so. But the Federal Housing Administration backs certain loans that lenders make to borrowers with down payments of as little as 3 percent, even if their credit scores are below average.

Improving your credit score (CNN Money)
Lenders are boosting the credit scores they require to lend consumers money.