- Find a Real Estate Professional
- Realtors®
- Mortgage Lenders
- Home Improvement Pros
- Other Real Estate Services
- Review an Agent, Lender or Pro
- Marketing on Zillow
- Real Estate Agent Advertising
- Join the Professional Directory
- Popular
- Real Estate Market Reports
- More
Replies (11)
- Eileen Lamasney, "e lamasney"
- Contributions:67
If you go to annualcreditreport.com, they can give you the credit reports from all three reporting bureaus. You are then asked if you would like to pay for your FICO score. It is worth paying for.
I use truecredit.com (Transunion's company).
- ashleylt22
- Contributions:9
Hi there, you can also check www.freecreditreport.com (they are the ones with the funny commercials on t.v.) More than likely it will give you 1 score and you will have to pay for the other 2. If you have already seen one of your scores is 816, I personally would not worry about checking the other 2. 816 means you do not have any blemishes on your credit and rates that you will shop at mortgage companies, score will not be a problem!
With that being said, just as important as score, your debt to income really matters these days! So check your minimum payments and balances on your installment loans and credit cards!
Hope this helps!
With that being said, just as important as score, your debt to income really matters these days! So check your minimum payments and balances on your installment loans and credit cards!
Hope this helps!
- Gene Mundt, "profmortgagebanker"
- Contributions:74
km9:
Just a heads-up on some of the "free" credit report sites ... be aware that you must cancel your participation on some of these sites prior to a 30-day cut-off period or you may incur monthly charges afterwards. If they have asked you to provide a credit card, be especially vigilent about cancellation. That is where the "free" ends ...
As a lender, I am always happy to run a credit report at no cost for someone that is in the preliminary/planning stages of a home purchase or lending process. That said, if I provide the free report, along with some advice and information ... I at least want to have a chance at earning your upcoming mortgage business. You may not decide, or are obviously not obligated, to place your business with my services in exchange for the free report, but at least I had a chance to earn it. That seems only fair.
It does not hurt to take this route. Many lenders will provide free reports under the same circumstances. The viewing of your credit by a professional is a wise step to take. The insight and suggestions they offer upon viewing it could prove of great assistance to you prior to applying for a loan.
If you have more questions regarding your credit report or your upcoming lending needs, please do not hesitate to write again.
Best of luck to you ...
Just a heads-up on some of the "free" credit report sites ... be aware that you must cancel your participation on some of these sites prior to a 30-day cut-off period or you may incur monthly charges afterwards. If they have asked you to provide a credit card, be especially vigilent about cancellation. That is where the "free" ends ...
As a lender, I am always happy to run a credit report at no cost for someone that is in the preliminary/planning stages of a home purchase or lending process. That said, if I provide the free report, along with some advice and information ... I at least want to have a chance at earning your upcoming mortgage business. You may not decide, or are obviously not obligated, to place your business with my services in exchange for the free report, but at least I had a chance to earn it. That seems only fair.
It does not hurt to take this route. Many lenders will provide free reports under the same circumstances. The viewing of your credit by a professional is a wise step to take. The insight and suggestions they offer upon viewing it could prove of great assistance to you prior to applying for a loan.
If you have more questions regarding your credit report or your upcoming lending needs, please do not hesitate to write again.
Best of luck to you ...
- Rudi Hofmann, "LUXURY HOME LOANS CA"
- Contributions:7435
All three scores. Free Trial. .... Best wishes, Rudi
- number1answer
- Contributions:9
You can only get your FICO score through myfico.com. Any other site is only selling their 'custom' made score, which is NOT a FICO score your lender uses.
Experian no longer allows myFICO to give out Experian FICO scores, so the only way to get your Experian FICO is through a lender.
AGAIN, getting your "score" from any other site IS NOT a FICO score, but a so-called "FAKO" score, which is their own custom score each bureau comes up with; not a FICO.
Experian no longer allows myFICO to give out Experian FICO scores, so the only way to get your Experian FICO is through a lender.
AGAIN, getting your "score" from any other site IS NOT a FICO score, but a so-called "FAKO" score, which is their own custom score each bureau comes up with; not a FICO.
- Clay Branch, "Georgia Loans"
- Contributions:7836
Do you pay your bills? If so, you dont need to pay for a credit report. Decide what lender will be doing your loan, give them authorization to pull it and get a copy. The only report/scores that matter is the report the lender will use. If the Equifax score you saw at 816 is your beacon score, then the other 2 scores will be excellent too.
- number1answer
- Contributions:9
I agree with Clay to an extent: Don't rely on the lender to pull your REPORT. You can get this for free from annualcreditreport.com. This is a credit report and not a score. If you notice anything incorrect, you can dispute it right there.
For a score, Clay is likely correct. If your Experian credit score (remember, not FICO) is 816, you likely have a very high FICO score as well and should be able to qualify for nearly any loan you desire. BUT remember, most creditors only report to one or two of the bureaus. So, if you had many collections problems, and they only reported to Transunion and Equifax, your Experian score may be high, but the other scores could be in the gutter, and lenders use the score that is the MIDDLE (not average) of the 3. Good luck!
Cheers!
For a score, Clay is likely correct. If your Experian credit score (remember, not FICO) is 816, you likely have a very high FICO score as well and should be able to qualify for nearly any loan you desire. BUT remember, most creditors only report to one or two of the bureaus. So, if you had many collections problems, and they only reported to Transunion and Equifax, your Experian score may be high, but the other scores could be in the gutter, and lenders use the score that is the MIDDLE (not average) of the 3. Good luck!
Cheers!
- Mister Info
- Contributions:24
You can get fico scores from many sources but rarely are they accurate and up to date. Just go straight the source MyFico and you can get them for $9.95. Plus they have a 30 day free trial for score watch which notifies you everything your score moves up or down and the reason for this. An extremely helpful tool. Click here to get the 30 day free trial
How do I get my FICO???
Stating a discriminatory preference in an advertisement for housing is illegal. If you think this content is discriminatory or otherwise inappropriate and feel it should be removed from Zillow, please let us know by completing the information above.
We will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.