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We guide you in understanding what kind of life you are hoping to build, and how buying a home might fit into that plan.

Get Your Credit Score

You’d think finding your credit score would be easy. The bad news? It isn’t. The good news? We’ve done most of the hard work for you.

How to get your credit score

Method
Description
Fine Print
Guess it yourself.

Use a free credit score estimator.

There’s nothing wrong with guessing at this point. Online quizzes can be surprisingly effective at predicting your score.

Free, but not entirely accurate.

Ask your lender.

If you are ready to speak with a mortgage lender, save yourself some hassle and just ask your lender for your score during the pre-approval process.

Free. Your lender is required to give you your score, but not your report.

Download your credit report.

Download your Annual Credit Report, and then pay for your credit score separately.

The report and score are pulled from all three nationwide credit reporting companies: Experian, Equifax, and TransUnion.

The problem is, once you’ve put in your credit card info for that score, it’s quite a hassle to “undo” your subscription from the monthly plan you’re automatically enrolled in. So while this is still a decent option, if you don’t want to be charged every month for the rest of time, you’ll likely need to make several phone calls and write several emails to get the on-going charges dropped. (At least we did, when we all tried this route).

Free for the credit report.

Then pay roughly $20 for your annual credit score.

Then pay $20 – $40 per month because you’re automatically enrolled in a plan that can be a hassle to undo.

Pay for your FICO score.

Access your free FICO credit score.

MyFICO is a branded credit score, developed and administered by a company called FICO, formerly Fair Isaac. It’s the Kleenex of credit score companies.

MyFico pulls from two of the three nationwide credit reporting companies: Equifax and TransUnion, so the result is essentially as accurate as any other option. Besides, 90% of lenders use the FICO score themselves, so you can’t really go wrong here.

It comes with some well designed tools to help you understand your score, and helps you see exactly what it is about your credit history that may be hurting it.

Free credit score.

If you get your score and it’s high enough (say, above 750), then you can simply cancel your subscription immediately and you’ve lost nothing.

If it is lower than you want, you will pay roughly $15 – $20 per month to use their tools and services to find ways to improve it, which we feel is worth it. (And by the way, we are not being paid for this — or any — endorsement. This is based on carefully researching and testing all available options ourselves.)