Having a low credit score can be caused be a variety of factors. It could be debt/credit agreements you have had in the past that have gone bad e.g. you have missed a series of payments these could have ended up in default (normally 8 missed payments and the agreement has broken down between you a the lender) it could be you have utilised a lot of debt and have several amounts owing to different lenders across a series of credit cards, store cards or loans. You may have several credit cards that run very close each month to their credit limits. Whichever the situation it is very difficult to pin point the exact reason you have a low credit score.
You can try an improve your low credit score by reducing debt, possibly closing accounts you do not use and ensuring you do not miss any payment over time this will help improve your score, however there is no exact way of gauging when this will improve.
Can I get a mortgage with a low credit score?
The simple answer is yes, there are two ways in which lenders check potential borrower’s credit reports this is credit scoring and credit searching.