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How To Get A Car Loan For People With Less Than Perfect Credit In Mentor, Ohio:.. 7 steps1.Most people don’t know this, but there isn’t a specific minimum credit score required by any lender to start looking for a new home. However, the catch-22 is that a conventional mortgage lender is free to set their own requirements when it comes to your credit score.2.When it comes to the actual number, anything less than a 670 FICO®Score is considered “bad” or “subprime,” according to Experian™, one of the three main credit bureaus. More specifically, a fair score is 580 – 669 while a poor score is 300 – 579, but the thing about having bad credit is that it won’t be the same as someone else’s bad credit.3.The two primary types of mortgage loans are going to be loans backed by the government and conventional loans.. Despite having bad credit, you may well be qualified for a loan that is payday ... 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