| http://www.w3.org/ns/prov#value | - Having a score around 640 will keep you from getting the best rates, but that said, interest rates are historically very, very low right now, and it is possible that buying a house now while interest rates are low will be better than waiting a couple years for your credit to improve.posted by smoq at 10:49 AM on February 21, 2013 Whether or not you think it is insane to use credit you do not need, do
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