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Your credit score is the number used to summarize your credit report and help lenders determine your likelihood to repay a loan. Looking at your credit information before you apply for a loan can help you get a complete picture of your credit health. You can get a free copy of your credit information every year through the credit reporting agencies below or by going to

Your credit report will be created by one of the major credit reporting agencies:

Equifax: 1-800-685-1111

 Experian: 1-888-397-3742

 TransUnion: 1-800-888-4213

Need help understanding your credit report?  Visit with one of our Mortgage Lenders and they will be happy to go over your credit report and answer all of your questions.