What is a "Good Credit" Score for a Mortgage? Can you have bad credit and still buy a house in Las Vegas? Do you have bad credit? Can you still have bad credit and buy a home? Well, the answer to this question is, "it depends". This all depends on what your credit score is, your credit history, how much down payment you have, amount of reserves you have in your bank account and which lender you use. opploans.com nerdwallet.com According to the two charts above, bad credit and good credit can mean very different score ranges. So which is right? In the end, it doesn't matter if your credit is "good or bad" as these views can differ depending on whom you talk to. What matters is what your "middle" score is. What is a middle score? When you get your credit score, you're actually getting three scores from three different bureaus. The middle score is the score that is between the highest and the lowest. For example, if your credit scores are 6...