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FREDDIE MAC PUTS ITS WEIGHT BEHIND THE USE OF CREDIT SCORING Understanding the Importance of Credit – Freddie Mac – If you’ve applied for several credit cards at the same time, your credit score can go down. The types of credit you currently use, including credit cards, retail accounts, installment loans, finance company accounts and mortgages. Generally, the higher your credit score the more options will be available to you, including a lower interest rate.2 Things You Need to Know to Properly Price Your Home 2 Things You Need to Know to Properly Price Your Home Categories: First Time Home Buyers , For Buyers , For Sellers , Housing Market Updates , Move-Up Buyers , Pricing In today’s housing market, home prices are increasing at a slower pace (3.7%) than they have over the last eight years (6-7%).