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Home Financing Library


Your Credit Report

Understand how your credit information is used.

Credit Scoring and How It Works

Credit scoring, also known as FICO scoring, is a statistical method of assessing the credit risk of a loan applicant.

Credit Profile

A credit profile details your credit history as it has been reported to the credit reporting agencies by lenders who have extended credit to you.

Credit Reporting Agencies

This article includes address, phone and web site information for the main credit agencies.

Other Credit Factors

Lenders may look at other information besides your credit score and credit profile before deciding whether to approve your mortgage.

Credit Inquiries

The Fair Credit Reporting Act outlines specifically who can see your credit profile and for what purposes.

How to Fix Credit Report Errors

You have the right, under the Fair Credit Reporting Act, to dispute the completeness and accuracy of information in your credit file.

Establish a Credit History

What to do to increase your chances of being approved for a mortgage.

How to Prevent Identity Theft

According to one non-profit debt counseling agency, some 40,000 consumers each year are victims of this crime, which is a serious type of fraud.