Get your credit ready to buy.
Answer 4 quick questions. Get your free plan. About 2 minutes.
Step 1 of 4
What's your credit score?
Slide the dot or type it in. A guess is fine.
612 is Fair. That's enough for an FHA home loan with 3.5% down.
No problem. Which sounds most like you?
Your bank or card app often shows your score for free.
What do you want to buy?
Not sure which home loan? Pick the first one. Most first-time buyers start there.
When do you want to buy?
A rough guess is fine. You can change it later.
Free. No credit check. No Social Security number.
184 sourced guides13 free tools 4.9 on Google
Quick answers
Which score does a mortgage lender use?
Most lenders pull all three bureaus and use your middle score. With a co-borrower, they use the lower of the two middle scores. The middle score finder works it out.
Is it free? Does it check my credit?
No. Every tool and guide is free, and nothing here pulls your credit. The tools run in your browser, and a free account only needs an email address.
Will these tools raise my score?
No one can promise an exact number. What the tools do is show you what to pay and when, timed to the dates your cards report, because that balance is what your score sees.
Where do I get my credit reports?
AnnualCreditReport.com is the official site for free reports from Equifax, Experian and TransUnion. You can check each one every week at no cost.