My fiance would like to get a loan for us to get a house but his credit score is only 622. Its not that we have bad credit but he’s only 22 and just doesn’t have much. He has no late payments/no collections on his credit report and only 2 loans (one of which has already been paid off ahead of time it just hasn’t been reported yet). Do banks look at your credit report or just the score? And if they look at just the score do you think we could persuade them to lower the interest rate based on a perfect payment history? What interest do you think we can expect to get?