Good decisions start with good information. Use these free tools to run the numbers, and these resources to understand and strengthen your credit — long before you ever apply. No sign-up, no sales pitch.
Mortgage payment calculator
See what a monthly payment might look like. Enter your own numbers to explore scenarios — we don't quote rates here, so use a rate you've been quoted or a market estimate.
Your report and your score aren't the same thing
Your credit report
The full record of your credit history — your accounts, balances, payment history, and any past issues. It's the source document lenders review. By federal law, you're entitled to it for free.
Your credit score
A single number (like a FICO or VantageScore) calculated from your report. It's what gives a quick read on your credit health — but it is not included in the free report. You get it separately.
Get your credit report — free, from the official source
There is exactly one federally authorized site for your free credit report: AnnualCreditReport.com. You can pull a report from each of the three bureaus, and as of recently you can do it every week at no cost. Beware of sound-alike sites that charge or upsell — this is the real one.
Get your free report →- Check all three. Lenders may look at any of them, and they don't always match.
- Look for errors. Wrong accounts or balances are common — and you can dispute them directly with the bureau for free.
- Stagger them. Pulling one bureau every few months is an easy way to keep an eye on things year-round.
The three credit bureaus
Each bureau keeps its own file on you. Use these official sites to view your information, dispute an error, or place a free security freeze that helps protect you from fraud.
Where to find your credit score for free
Since the free report doesn't include a score, here are reliable ways to see one at no cost:
- Your bank or credit card. Many issuers show a free FICO score right in your account or monthly statement — check yours first.
- Free score services. Sites like Credit Karma provide a free VantageScore and monitoring. (A VantageScore may differ from the FICO score a mortgage lender uses, but it's a useful gauge.)
- The bureaus directly. Each bureau also offers score products — just know these are often paid, unlike the free report.
Want help making sense of your numbers?
Whether your credit is mortgage-ready or you're months away, we'll give you a straight, personalized read — and a plan to get where you want to be.
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