90% of top lenders use FICO® Scores.Find matching products
Join the Thousands of Home Buyers who accessed their FICO® Scores
Buying or Refinancing a Home?
Whether you're purchasing your first home, or refinancing your fifth, you're going to want the lowest interest rate possible. Your FICO® Scores can have a significant impact on the interest rate you're able to get, and ultimately how much your payments will be.
It's important to access and understand your FICO® Scores early in the process, so you can learn where you stand—and your chances of getting a better rate. A lower interest rate can help you save thousands of dollars over the life of your mortgage.
Review All Three Credit Reports and FICO® Scores Before Applying for a Mortgage
Did you know that in most mortgage loan application reviews, lenders pull FICO Scores from Experian, TransUnion and Equifax? Even minor discrepancies in your credit reports can impact your scores negatively—and potentially the mortgage loan interest rate you might qualify for. That's why it's important to access and review your reports and FICO Scores from all three credit bureaus. All our credit report products include the FICO Scores most commonly used in mortgage, auto and credit card lending decisions.
How myFICO Can Help
With over 90% of top lenders using FICO® Scores, your mortgage lender will most likely pull your scores when going through the loan approval process. myFICO can help you understand your FICO Scores and what factors in your credit report impact them.
Don't have the score you need to get the interest rate you want? myFICO can alert you when there is a change to your credit report that may impact your FICO® Score 8†. Interact with our powerful FICO® Score 8 Simulator to see how everyday actions like paying down credit card balances and refinancing may impact a score.
With myFICO, you are better prepared to finance or refinance your home.
†Not all credit report data or transactions are monitored. Monitored credit report data, monitored credit report data change alerts, FICO® Score updates, FICO® Score alerts, monitored transactions, and alert triggers, timing and frequencies vary by credit bureau. Other limitations apply. Learn more.