Review your credit reports before an important application. Different credit scores can use different models and data, so a score displayed by a consumer app may differ from one a mortgage lender uses. Start by checking the underlying reports rather than chasing a particular number.
Accuracy comes first; approval and score outcomes still depend on the lender’s review.
Use the official report source
AnnualCreditReport.com is the official source for reports from the nationwide consumer reporting companies. Review identity information, accounts, balances, payment history, and unfamiliar inquiries. Keep a copy of anything you may need to question.
Address inaccuracies
If information appears inaccurate, follow the reporting company’s dispute process and contact the company that supplied the information when appropriate. Keep dates, correspondence, and supporting documents. Do not assume accurate negative information can simply be removed.
Coordinate with your mortgage timeline
Ask the lender before opening or closing accounts, making large credit purchases, or taking actions you do not understand. A helpful change in one situation may complicate another, particularly during an active mortgage application.
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AnnualCreditReport.com: Official credit reports ↗General education, not an approval or personalized recommendation. Loan terms and eligibility vary. Our editorial standards.