Check Your FICO Credit Score & Report | $12.99 | Kirk Rau

Check Your FICO Credit Score & Report | $12.99 | Kirk Rau

Get your TransUnion FICO 4 credit score and credit report for $12.99 with a soft credit check. Understand your credit and prepare for your next move.

KNOW YOUR SCORE. PLAN YOUR NEXT MOVE.

READY TO SEE WHERE YOU STAND?

THE EARLIER YOU KNOW, THE MORE TIME YOU HAVE TO PLAN.

YOUR CREDIT CAN AFFECT MORE THAN YOUR MORTGAGE.

HOW IT WORKS

CHECKING YOUR FICO SCORE BEFORE BUYING A HOME

Why check your FICO score before buying a home?

What credit score do mortgage lenders use?

Does checking this FICO score hurt my credit?

Can I improve my credit before applying for a mortgage?

What do I receive for $12.99?

FREQUENTLY ASKED QUESTIONS

LICENSING AND DISCLOSURES

Your credit score can affect what you qualify for and what you pay. From mortgage and loan terms to insurance premiums in states where credit-based pricing is permitted, understanding your score can help you make more informed financial decisions.

Includes your TransUnion credit report and FICO 4 credit score.

Soft credit check

Results typically in minutes

FICO score + credit report

Get your FICO credit score and TransUnion credit report in just a few steps.

Step 1 · Start here

Follow the secure steps below to access your credit information.

Credit report price

Report uses the FICO 4 scoring model

$12.99

Your credit report and FICO score cost $12.99. You'll see the charge before completing your purchase.

Your credit history can influence mortgage options and borrowing costs. Understanding it early gives you time to address potential issues and prepare for your home purchase.

Your credit history can influence borrowing costs, insurance premiums, and certain household expenses. Knowing where you stand helps you plan with greater confidence.

The use of credit information in insurance pricing varies by state. Some states restrict or prohibit credit-based insurance scoring. Insurance scores may also differ from the FICO credit score provided by this report.

Some applicants need additional verification before results are available, so timing can vary.

Questions about your credit?

Have questions about your credit report or how your credit may affect your mortgage options? I’m happy to help you understand the next steps.

· Mortgage Advisor ·

A FICO score is a three-digit number that many lenders use to assess credit risk. Checking your score and credit report before you start shopping for a home lets you see what lenders may see, with time to act on anything you find.

Credit can influence which loan programs you may qualify for, the interest rate you are offered, and the cost of mortgage insurance. Knowing where you stand early gives you time to review your report for errors, understand the factors affecting your credit, and decide when to begin the mortgage process.

Mortgage lenders may use different FICO scoring models or other approved models, and they may review information from one or more credit bureaus. Requirements vary by lender and loan program. This service provides a TransUnion FICO 4 score, one of the scoring models historically used in mortgage lending. The score you see here may not be the exact score a lender uses to qualify you. For background, see the Consumer Financial Protection Bureau (opens in a new tab) .

This service uses a soft credit inquiry. Soft inquiries generally do not lower your credit score, although your score can change for other reasons.

You may have opportunities to review your report for inaccuracies, address payment history concerns, or reduce revolving balances. Results vary, and no particular change is guaranteed to improve your score.

For $12.99, you receive your TransUnion credit report and FICO 4 credit score through this application. Free credit reports generally do not include a FICO score. The information you see depends on what TransUnion has on file for you.

Mortgage Advisor

, Mortgage Advisor

Individual NMLS #1466931

Empire Home Loans, Inc.

Company NMLS #

4401 Hazel Ave Suite 225, Fair Oaks, CA 95628

www.empirehomeloans.com

Equal Housing Opportunity

• GET MY FICO SCORE — $12.99
• Call
• Email
• Consumer Financial Protection Bureau (opens in a new tab)
• Verify on NMLS Consumer Access (opens in a new tab)