Check your FICO^® Score!

This service is free to users. We may reach out to you with relevant resources and offers that could help you in your homebuying and homeownership journey.

Accessing your credit profile is considered a “soft inquiry”, which does not hurt your credit score or show up on your credit report.

Yes! Home.com lets you monitor your FICO^® Score, the one used by mortgage lenders. While a lender may pull a slightly different score when you apply (credit scores change daily), you will have a very good idea of where you stand

Yes, Home.com’s ScoreGenius lets you see your FICO^® Score for free. Most sites show your VantageScore, which may give you a false sense of your credit standing. Your FICO^® Score is the one lenders use for credit decisions.

Many homebuyers make the mistake of seeing their credit report for the first time when they apply for a mortgage. By then, errors or credit issues could delay their homebuying timeline. It’s recommended that future homebuyers check their credit months or even years before they want to buy.

Not always. Certain programs, such as FHA loans, allow lower credit scores. That being said, it’s always better to have as high a score as possible to get a better rate and to have access to more program options.

Not always. Certain programs, such as FHA loans, allow lower credit scores. That being said, it’s always better to have as high a score as possible to get a better rate and to have access to more program options.
According to HUD:

What is considered “good” can vary from lender to lender, but here’s a common scale:

While good payment history helps your score the most, there are many other factors that affect your credit.