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Credit Score to Buy a House

Getting started

Why your credit score matters

Your credit score plays a major role in determining whether a bank will lend you money, how much, and the interest rate that you’ll be able to get on your mortgage to buy a house. Make sure your credit reports are accurate and up to date before you apply for a mortgage.

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Improve your credit score

Improving your credit score can help in the process of getting approved for your mortgage.


How much home can you afford?

Take the first step and get prequalified.

Here’s how to determine your credit score

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 home 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

Use Credit JourneySM to monitor your credit health

Staying up to date with your credit information is important, which is why our free Credit Journey service offers:

  • Unlimited access to your VantageScore and credit report
  • Alerts about critical changes to your credit report
  • A score simulator that helps you identify how your credit is affected by changes

Please note: Your VantageScore is an informational credit score and may vary from a FICO® Score provided by credit reporting agencies. Decisions about your home loan application will be made by using your FICO credit score as well as other information you provide.

Still want to know more?

Find out more about what goes into your credit report on our Credit Basics page. You’ll learn about how your credit score is calculated and get tips for how to raise your score.