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Why are credit scores falling and what does this mean for real estate in 2025

Why are credit scores falling and what does this mean for real estate in 2025

by | Jun 30, 2025 | Atlanta Hard Money, Colorado Hard Money, credit score, credit scoring, Denver Hard Money, Georgia hard money, student loan impact on real estate

For the last 4 years, credit scores have been artificially inflated due to the omission of student loans (and lack of payments of student loans) leading to huge gains in credit scores.  Unfortunately this trend is set to reverse this year.  Look at this chart above...
Credit scores surge, why? what is hiding?

Credit scores surge, why? what is hiding?

by | Mar 10, 2025 | 2024 mortgage rates, 2025 mortgage rates, Atlanta Hard Money, Atlanta Private Lending, Colorado Hard Money, Colorado private lender, credit score, Denver Hard Money, Georgia hard money

Wow, look at the huge increases in credit scores over the last 15 years.  This has occurred even as student debt, auto debt, and credit card debt have all surged.  Has the US all the sudden become much more credit worthy or has something else changed? What does this...