 credit score you either want a very high one or a no credit score when you're going for a mortgage no credit score sets you up for manual underwriting with someone like Churchill Mortgage Hour the team that we've endorsed for mortgages for almost 30 years now and they can help you do a manual underwriting with zero credit score but you don't want you don't want to be in no man's land in the middle and that's what will happen if you keep a bunch of stuff open with zero balances