Is it easier to get credit after you sign a mortgage? If you don't have any credit cards do you still have to start with a secured card or they more willing to give credit to you with a mortgage. Also do you have to wait until the mortgage shows on your credit report? I am just trying to establish some more credit, as I have none, to get my scores as high as possible.
It's been over 20 yrs since I had a new mortgage, but what I remember was how hard it was to get new credit after we got the mortgage. My husband at the time and I were in the habit of paying cash for everything and had had to use our landlord and utilities payment records to qualify for the mortgage. I believe it was 6 mos- 1year before we had any kind of credit. YMMV.