 TITLE: What Is an Adjustable-Rate Mortgage? CONTENT: How an Adjustable-Rate Mortgage Could Impact Credit\n---------------------------------------------------\nThe type of loan itself doesn't impact your credit any differently than a fixed-rate mortgage. However, seeing a sudden increase in your monthly payment at the end of the initial fixed period or after that can cause it to become unaffordable.\nIf that happens and you miss payments, it could hurt your credit score. If you miss multiple payments, the lender could choose to foreclose on the house, causing even more damage than the initial missed payments.\nOn the flip side, making your payments on time every month can establish a positive payment history, which can help improve your credit score over time. END