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Check your FICO® Score!

Most free credit apps show you an inflated score, which may not reflect your true credit. Home.com's ScoreGenius lets you monitor your FICO® Score, the one lenders use.

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Stay on top of your credit health with ScoreGenius.

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Review your FICO® Score for free!
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Not a hard inquiry on your credit
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How to Get a Better FICO® Score

We all want a great credit score because it opens financial doors in surprising ways, but how do you get a great score?

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  • Make all your payments on time
  • Keep balances below 30% of your credit limit
  • Keep old accounts open
  • Build a mix of credit types, e.g., auto loans, credit cards and retail store cards
  • Don’t apply for more than one type of credit at a time

Did You Know?

714

The average credit score in the U.S.1

1 in 10

U.S. adults don’t have a credit score due to lack of credit usage2

18%

Adults never check their credit scores3

21%

Adults check their credit score monthly3

673

Average credit score of an FHA homebuyer in 20214

59.2%

Of the U.S. has a FICO® Score over 7005
1Experian; 2CFPB; 3Credit Card Insider; 4HUD; 5FICO.com

Frequently Asked Questions

Credit is important to your financial health, but there’s a lot of mystery to it. We’re here to bring transparency to your credit profile, starting with answering your questions.
Is this service free?

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.

Will this hurt my credit?

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

Will I see my mortgage credit score?

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

Will I see my FICO® Score for free?

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.

Why is checking my credit important?

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.

Do you need great credit to buy a home?

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.

Do you need great credit to buy a home?

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:Great Credit To Buy infographic

What’s considered a good FICO® score?

What is considered “good” can vary from lender to lender, but here’s a common scale:Good FICO® Score@2x

What factors go into a credit score?

While good payment history helps your score the most, there are many other factors that affect your credit.Factors Credit Score@2x

Stripes

Check early, check often

Nothing puts you ahead of the game like knowing your FICO® Score. View your credit report, run simulators, and spot errors.

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