free 3 credit reports – score

Natalie

annual credit report.com
Print all 3 reports (each) out.
Review them carefully.
1 out of 5 people have an error in their reports.
After you clean up your reports get one of the scores.
I recommend going to experian.com – about 7 bucks.
No need for expensive scores.

Note: When applying for a mortgage, your lender will NOT look at your score. They will look at your reports in detail.
They will make their own decisions based on your credit usage, your employment, and your salaries.

Do not open any new credit card accounts 6 months before applying.
And try to pay off any credit card in full before applying to get top credit, and best interest rates.
Any debt you have will directly reduce the monthly payment you will qualify for.
Do all your applications for mtg’s in a 3 week window so they will be lumped as one – and not hurt your credit.
Put 20% down to avoid that nasty PMI, which is like throwing thousands away a year.
Do not let them bully you into variable rate loans – which are big money makers for them.
Stick to 15 or 30 year fixed.

Do not go with the scores – make sure your reports are pristine.
And be careful with other sites – they might not give you the full reports – or not give you a real score. AND just charge you more.

FHA and other major lenders may have the score – they don’t go by it.
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Ruben

I must agree with Judy on everything except mortgage lenders not looking at your FICO score because I know for a fact that they do.

My husband and I are refinancing our home as we speak and were told the other day that were it not for all of our score being over 800 we would have never received the great deal we did.

Francisco

Go to this site
These are your real credit scores that most bank will use. They are not cheap but are the only ones that are accurate when it comes to the scores.