{"id":356981,"date":"2019-06-19T07:00:33","date_gmt":"2019-06-19T13:00:33","guid":{"rendered":"https:\/\/www.creditrepair.com\/blog\/?p=356981"},"modified":"2022-07-15T11:07:56","modified_gmt":"2022-07-15T17:07:56","slug":"home-loan-denial","status":"publish","type":"post","link":"https:\/\/www.creditrepair.com\/blog\/lending\/home-loan-denial\/","title":{"rendered":"Home Loan Denial and What to Do if it Happens to You"},"content":{"rendered":"\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"400\" src=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2019\/05\/home-loan-denial-600x400.jpg\" alt=\"home loan denial\" class=\"wp-image-356985\" srcset=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2019\/05\/home-loan-denial-600x400.jpg 600w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2019\/05\/home-loan-denial-450x300.jpg 450w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2019\/05\/home-loan-denial-900x601.jpg 900w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2019\/05\/home-loan-denial-1400x934.jpg 1400w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2019\/05\/home-loan-denial-2000x1335.jpg 2000w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2019\/05\/home-loan-denial-300x200.jpg 300w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2019\/05\/home-loan-denial-768x512.jpg 768w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/figure>\n\n\n\n<p>If you dream of owning a home\nsomeday, it&#8217;s important to understand that getting a mortgage is not always\neasy. The reality is that <a href=\"https:\/\/www.washingtonpost.com\/realestate\/for-every-eight-applicants-who-seek-a-mortgage-one-is-rejected\/2016\/12\/12\/263d426c-c09a-11e6-897f-918837dae0ae_story.html?utm_term=.5fe65a83ab34\">out of every eight mortgage applications, at\nleast one is denied<\/a>. So for a large percentage\nof Americans, the goal of home ownership seems to be out of reach. <\/p>\n\n\n\n<p>Instead of giving up and\nleaving your mortgage loan application approval to chance, it&#8217;s time to\nunderstand what could potentially hold you back from owning a home and address\nit. Here are the most common reasons for home loan denials and steps you can\ntake to correct each issue so you can finally purchase your own home. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-high-debt-to-income-ratios\"><strong>High Debt-to-Income Ratios &nbsp;&nbsp;<\/strong><\/h2>\n\n\n\n<p>The most common reason\nlenders deny applicants for mortgages is because of a high debt-to-income ratio.\nIn 2017, <a href=\"https:\/\/ffiec.cfpb.gov\/data-publication\/national-aggregate-reports\/2017\/8-1\">more than 50,000 applicants were denied\ngovernment-backed loans<\/a>\nbecause of this. Lenders calculate this ratio by adding up your monthly debt\npayments and dividing them by the amount of gross income you make. If the\nnumber is too high &#8211; <a href=\"https:\/\/www.consumerfinance.gov\/ask-cfpb\/what-is-a-debt-to-income-ratio-why-is-the-43-debt-to-income-ratio-important-en-1791\/\">more than 43%<\/a> &#8211; lenders worry about the borrower&#8217;s ability to\nmake payments on the mortgage. <\/p>\n\n\n\n<p>A smart strategy is to plan\nahead before applying for your home loan. Months or years before your purchase,\nfocus on lowering your debt by cutting back on monthly expenses. Make extra\npayments if you have high credit card balances and lower your debt-to-income\nratio to a more reasonable percentage.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-poor-credit-history\"><strong>Poor Credit History<\/strong><\/h2>\n\n\n\n<p>Having poor credit is the\nsecond biggest reason lenders deny mortgage applicants. FHA loans require a\ncredit score of at least <a href=\"https:\/\/www.fha.com\/fha_credit_requirements\">580\nto qualify for a conventional loan<\/a>.\nLower scores may qualify, but those borrowers need to put more money down. Here\nare some reasons why your credit score may be too low:<\/p>\n\n\n\n<ul><li>Late Payments: Making payments late causes your\nscore to drop. Make an effort to pay your bills on time. If you anticipate a\nproblem one month, call your credit card issuer to ask about a different\npayment plan.<\/li><li>Bankruptcies or Judgments: Declaring bankruptcy\nmay impact your credit score for up to 10 years. Judgments may also make it\nharder for you to qualify for mortgages. Aim to rebuild your credit over time\nwith responsible use of credit cards designed for poor credit.<\/li><li>Too Many New Accounts: Avoid opening multiple\nnew credit accounts in the months before applying for a mortgage. Too many\ncredit inquiries lower your score.<\/li><li>High Balances: Having high credit card or loan\nbalances also may lower your credit score. Prepare for home ownership by\ntackling high debt balances.<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-problems-with-the-home-s-value\"><strong>Problems with the Home&#8217;s Value<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2019\/05\/Home-Denial-Stats.png\" alt=\"Home Denial graph\" class=\"wp-image-356983\" width=\"575\" height=\"382\" srcset=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2019\/05\/Home-Denial-Stats.png 500w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2019\/05\/Home-Denial-Stats-450x299.png 450w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2019\/05\/Home-Denial-Stats-300x199.png 300w\" sizes=\"(max-width: 575px) 100vw, 575px\" \/><\/figure>\n\n\n\n<p>Next, mortgage application\ndenials happen sometimes if there&#8217;s a problem with the property. If the bank\ndetermines your home isn&#8217;t worth the amount of your loan, you could get a\ndenial. If this situation happens to you, it&#8217;s best to consider a different\nproperty that appraises at a higher value. A home may not appraise at a high\nvalue if there are significant structural issues, problems with the\nneighborhood or similar properties nearby that appraise low. Some buyers end up\nputting more cash in the down payment to make up for the difference in a low\nappraisal.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-incomplete-credit-application\"><strong>Incomplete Credit Application &nbsp;&nbsp;<\/strong><\/h2>\n\n\n\n<p>It&#8217;s\nalso possible to get a mortgage rejection if you don&#8217;t fill out your credit\napplication correctly or completely. If your credit application is <a href=\"https:\/\/files.consumerfinance.gov\/f\/201306_cfpb_laws-and-regulations_ecoa-combined-june-2013.pdf\">denied due to\nincompleteness<\/a>,\nyou&#8217;ll receive a notice stating this. Your notice may also indicate which items\nyou failed to complete on your application. It&#8217;s important to include\ndocumentation for parts of your mortgage application as well. Failing to\ninclude the right documentation could present a problem and lead to a loan\ndenial.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-unverifiable-information\"><strong>Unverifiable Information<\/strong><\/h2>\n\n\n\n<p>Along\nwith incomplete applications, there are denials for applications that have\nunverifiable information, too. These denials usually arise from discrepancies\nin information between a potential borrower&#8217;s application and the credit report.\nThere could also be a problem if information is entered incorrectly in the\nmortgage application. Before you go through the process of looking for a home\nloan, make sure you carefully check your credit report for any errors. Talk to\nyour creditors about fixing any information that&#8217;s wrong so you aren&#8217;t at risk\nof getting a mortgage denial. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-not-enough-cash\"><strong>Not Enough Cash<\/strong><\/h2>\n\n\n\n<p>It&#8217;s\nalso likely to get denied for a home loan if you don&#8217;t have sufficient cash for\na down payment. The ideal amount of <a href=\"https:\/\/www.consumerfinance.gov\/about-us\/blog\/how-decide-how-much-spend-your-down-payment\/\">cash for a down payment<\/a> is 20% of the home&#8217;s value,\nbut if you don&#8217;t have that much saved up, it&#8217;s still possible to get approved\nfor a home loan. Borrowers who don&#8217;t put 20% down must pay mortgage insurance\nalong with their house payment. There are also loan programs for specific types\nof buyers that allow them to put less money down on their dream homes. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-shaky-employment-history\"><strong>Shaky Employment History<\/strong><\/h2>\n\n\n\n<p>Your\nemployment history also matters to mortgage lenders. Banks and other mortgage companies\nwant to see a consistent employment history that demonstrates an ability to pay\nthe house payment each month. Lenders pay special attention to a borrower&#8217;s job\nhistory from the past two years. If your application shows large gaps in your\nwork history, multiple job changes or inconsistent income, it may be rejected. <\/p>\n\n\n\n<p>You\ncan avoid this by talking to your lender and explaining any gaps in employment.\nLenders may be more understanding if a gap in employment was due to returning\nto school or taking time off to raise children. Be sure to provide\ndocumentation for training and college coursework if you were enrolled in\nschool instead of working. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-lack-of-mortgage-insurance\"><strong>Lack of Mortgage Insurance<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"390\" src=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2019\/05\/home-loan-denial-couple-600x390.jpg\" alt=\"home loan denial couple\" class=\"wp-image-356984\" srcset=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2019\/05\/home-loan-denial-couple-600x390.jpg 600w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2019\/05\/home-loan-denial-couple-450x292.jpg 450w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2019\/05\/home-loan-denial-couple-900x585.jpg 900w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2019\/05\/home-loan-denial-couple-1400x910.jpg 1400w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2019\/05\/home-loan-denial-couple-2000x1299.jpg 2000w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2019\/05\/home-loan-denial-couple-300x195.jpg 300w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2019\/05\/home-loan-denial-couple-768x499.jpg 768w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/figure>\n\n\n\n<p>The\nlast reason why borrowers are denied for mortgages is if they can&#8217;t secure\nmortgage insurance. Private mortgage insurance is required for buyers who put\nless than 20% down for most loan types. Instead of a hefty down payment, borrowers\ncan opt to pay monthly PMI. <\/p>\n\n\n\n<p>Banks\nuse this to help reduce the risk of lending money to borrowers who don&#8217;t have\nas much invested in their homes. If your PMI application is denied and you\ndon&#8217;t have enough money for a larger down payment, your mortgage application\ncould be rejected. PMI applications also rely on a credit check, so if your\ncredit situation is shaky, you could be putting your home purchase at risk. &nbsp;<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n\n\n<p>Stay\ninformed about your credit history and spot any potential pitfalls to home\nownership. <a href=\"https:\/\/secure.creditrepair.com\/sign-up\/step1\">Sign up for\nCreditRepair.com<\/a> to improve\nyour credit before the big purchase. Make sure your finances are ready for this\nimportant life step. Call us today for a free credit evaluation.<\/p>\n\n\n\nCarry on the conversation on our social media platforms. Like and follow us on <a href=\"https:\/\/www.facebook.com\/creditrepaircom\/\">Facebook<\/a> and leave us a tweet on <a href=\"https:\/\/twitter.com\/creditrepair\">Twitter<\/a>.\n\n\n\n\n\n<p><strong>Sources: <a href=\"https:\/\/homeguides.sfgate.com\/value-type-collateral-not-sufficient-mean-home-loan-96229.html\">HomeGuides<\/a> | FTGClosings | <a href=\"https:\/\/themortgagereports.com\/12508\/my-home-appraised-too-low-appraisal\">TheMortgageReports<\/a> |\u00a0<a href=\"https:\/\/ficoforums.myfico.com\/t5\/Credit-Card-Applications\/Care-credit-denial-for-unverifiable-application-information\/td-p\/4063969\">MyFICO<\/a> | <a href=\"https:\/\/www.fha.com\/fha_article?id=585\">FHA<\/a> |<a href=\"https:\/\/www.moneyunder30.com\/private-mortgage-insurance\">MoneyUnder30<\/a><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you dream of owning a home someday, it&#8217;s important to understand that getting a mortgage is not always easy. The reality is that out of every eight mortgage applications, at least one is denied. So for a large percentage of Americans, the goal of home ownership seems to be out of reach. Instead of [&hellip;]<\/p>\n","protected":false},"author":37,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[59],"tags":[43],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v17.5 (Yoast SEO v18.5.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Home Loan Denial and What to Do if it Happens to You - CreditRepair.com<\/title>\n<meta name=\"description\" content=\"Here are the most common reasons for home loan denials and steps you can take to correct each issue so you can finally purchase your own home.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.creditrepair.com\/blog\/lending\/home-loan-denial\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Home Loan Denial and What to Do if it Happens to You\" \/>\n<meta property=\"og:description\" content=\"Here are the most common reasons for home loan denials and steps you can take to correct each issue so you can finally purchase your own home.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.creditrepair.com\/blog\/lending\/home-loan-denial\/\" \/>\n<meta property=\"og:site_name\" content=\"CreditRepair.com\" \/>\n<meta property=\"article:published_time\" content=\"2019-06-19T13:00:33+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-07-15T17:07:56+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2019\/05\/home-loan-denial-600x400.jpg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Josh Smith\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.creditrepair.com\/blog\/#website\",\"url\":\"https:\/\/www.creditrepair.com\/blog\/\",\"name\":\"CreditRepair.com\",\"description\":\"We are the credit repair experts\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.creditrepair.com\/blog\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/www.creditrepair.com\/blog\/lending\/home-loan-denial\/#primaryimage\",\"inLanguage\":\"en-US\",\"url\":\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2019\/05\/home-loan-denial.jpg\",\"contentUrl\":\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2019\/05\/home-loan-denial.jpg\",\"width\":2582,\"height\":1723,\"caption\":\"home loan denial\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.creditrepair.com\/blog\/lending\/home-loan-denial\/#webpage\",\"url\":\"https:\/\/www.creditrepair.com\/blog\/lending\/home-loan-denial\/\",\"name\":\"Home Loan Denial and What to Do if it Happens to You - CreditRepair.com\",\"isPartOf\":{\"@id\":\"https:\/\/www.creditrepair.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.creditrepair.com\/blog\/lending\/home-loan-denial\/#primaryimage\"},\"datePublished\":\"2019-06-19T13:00:33+00:00\",\"dateModified\":\"2022-07-15T17:07:56+00:00\",\"author\":{\"@id\":\"https:\/\/www.creditrepair.com\/blog\/#\/schema\/person\/f7aa613fab780931f67e0b5323da3937\"},\"description\":\"Here are the most common reasons for home loan denials and steps you can take to correct each issue so you can finally purchase your own home.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.creditrepair.com\/blog\/lending\/home-loan-denial\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.creditrepair.com\/blog\/lending\/home-loan-denial\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.creditrepair.com\/blog\/lending\/home-loan-denial\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.creditrepair.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Home Loan Denial and What to Do if it Happens to You\"}]},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.creditrepair.com\/blog\/#\/schema\/person\/f7aa613fab780931f67e0b5323da3937\",\"name\":\"Josh Smith\",\"image\":{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/www.creditrepair.com\/blog\/#personlogo\",\"inLanguage\":\"en-US\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/c3261a83db7eab52c6909a2a35bfb91b?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/c3261a83db7eab52c6909a2a35bfb91b?s=96&d=mm&r=g\",\"caption\":\"Josh Smith\"},\"url\":\"https:\/\/www.creditrepair.com\/blog\/experts\/josh-smith\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Home Loan Denial and What to Do if it Happens to You - CreditRepair.com","description":"Here are the most common reasons for home loan denials and steps you can take to correct each issue so you can finally purchase your own home.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.creditrepair.com\/blog\/lending\/home-loan-denial\/","og_locale":"en_US","og_type":"article","og_title":"Home Loan Denial and What to Do if it Happens to You","og_description":"Here are the most common reasons for home loan denials and steps you can take to correct each issue so you can finally purchase your own home.","og_url":"https:\/\/www.creditrepair.com\/blog\/lending\/home-loan-denial\/","og_site_name":"CreditRepair.com","article_published_time":"2019-06-19T13:00:33+00:00","article_modified_time":"2022-07-15T17:07:56+00:00","og_image":[{"url":"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2019\/05\/home-loan-denial-600x400.jpg"}],"twitter_card":"summary_large_image","twitter_misc":{"Written by":"Josh Smith","Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebSite","@id":"https:\/\/www.creditrepair.com\/blog\/#website","url":"https:\/\/www.creditrepair.com\/blog\/","name":"CreditRepair.com","description":"We are the credit repair experts","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.creditrepair.com\/blog\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"ImageObject","@id":"https:\/\/www.creditrepair.com\/blog\/lending\/home-loan-denial\/#primaryimage","inLanguage":"en-US","url":"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2019\/05\/home-loan-denial.jpg","contentUrl":"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2019\/05\/home-loan-denial.jpg","width":2582,"height":1723,"caption":"home loan denial"},{"@type":"WebPage","@id":"https:\/\/www.creditrepair.com\/blog\/lending\/home-loan-denial\/#webpage","url":"https:\/\/www.creditrepair.com\/blog\/lending\/home-loan-denial\/","name":"Home Loan Denial and What to Do if it Happens to You - CreditRepair.com","isPartOf":{"@id":"https:\/\/www.creditrepair.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.creditrepair.com\/blog\/lending\/home-loan-denial\/#primaryimage"},"datePublished":"2019-06-19T13:00:33+00:00","dateModified":"2022-07-15T17:07:56+00:00","author":{"@id":"https:\/\/www.creditrepair.com\/blog\/#\/schema\/person\/f7aa613fab780931f67e0b5323da3937"},"description":"Here are the most common reasons for home loan denials and steps you can take to correct each issue so you can finally purchase your own home.","breadcrumb":{"@id":"https:\/\/www.creditrepair.com\/blog\/lending\/home-loan-denial\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.creditrepair.com\/blog\/lending\/home-loan-denial\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.creditrepair.com\/blog\/lending\/home-loan-denial\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.creditrepair.com\/blog\/"},{"@type":"ListItem","position":2,"name":"Home Loan Denial and What to Do if it Happens to You"}]},{"@type":"Person","@id":"https:\/\/www.creditrepair.com\/blog\/#\/schema\/person\/f7aa613fab780931f67e0b5323da3937","name":"Josh Smith","image":{"@type":"ImageObject","@id":"https:\/\/www.creditrepair.com\/blog\/#personlogo","inLanguage":"en-US","url":"https:\/\/secure.gravatar.com\/avatar\/c3261a83db7eab52c6909a2a35bfb91b?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/c3261a83db7eab52c6909a2a35bfb91b?s=96&d=mm&r=g","caption":"Josh Smith"},"url":"https:\/\/www.creditrepair.com\/blog\/experts\/josh-smith\/"}]}},"_links":{"self":[{"href":"https:\/\/www.creditrepair.com\/blog\/wp-json\/wp\/v2\/posts\/356981"}],"collection":[{"href":"https:\/\/www.creditrepair.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.creditrepair.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.creditrepair.com\/blog\/wp-json\/wp\/v2\/users\/37"}],"replies":[{"embeddable":true,"href":"https:\/\/www.creditrepair.com\/blog\/wp-json\/wp\/v2\/comments?post=356981"}],"version-history":[{"count":5,"href":"https:\/\/www.creditrepair.com\/blog\/wp-json\/wp\/v2\/posts\/356981\/revisions"}],"predecessor-version":[{"id":362502,"href":"https:\/\/www.creditrepair.com\/blog\/wp-json\/wp\/v2\/posts\/356981\/revisions\/362502"}],"wp:attachment":[{"href":"https:\/\/www.creditrepair.com\/blog\/wp-json\/wp\/v2\/media?parent=356981"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.creditrepair.com\/blog\/wp-json\/wp\/v2\/categories?post=356981"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.creditrepair.com\/blog\/wp-json\/wp\/v2\/tags?post=356981"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}