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maintain high credit scores

high credit scores mean lower rates

Your credit report is used by banks and other lending institutions to determine your credit worthiness. The report can be a factor in a lending institution's decision to approve or decline your mortgage application.

You should review your credit report for any errors before applying for a mortgage.

Lending institutions review the following information from your credit report to determine your creditworthiness:

— your current outstanding debt
— places and number of times you've applied for credit
— the kind of credit you have taken out in the past
— late payments
— over extension of your credit lines
— liens
— garnishments
— bankruptcy

You need a credit history of at least one year to ensure a good credit report.

Get Your Free Report

FREE Annual report

request your FREE annual credit report

available in all fifty states

This central site allows you to request a free credit report, once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion.

No obligation or registration required


The FICO Score

The FICO score determines the rate the lender may charge you. The score estimates your ability to repay a loan as evidenced by your credit history. Lenders will sometimes give you a better mortgage rate based on a high credit score and good credit report.

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