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Resources & Links for Credit Help

Free Annual Credit Reports

Whether you’re looking to buy, build or refinance your home, our experienced mortgage professionals are here to help.

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Your True Source
For A Free Credit Report

Your credit report affects your ability to get a loan or job, and could help you avoid identity theft.

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How to review your credit report?


Once you get your credit report, you will want to review it carefully. Ordering it is not enough—you have to read it. Credit reports may have mistakes. And if there are mistakes, you are the only one who is likely to find them.

What Are
Credit Scores?

Ever wonder how a lender decides whether to grant you credit? For years, creditors have been using credit scoring systems to determine if you’d be a good risk for credit cards, auto loans, and mortgages.

Consumer Rights


A good credit rating is very important. Businesses inspect your credit history when they evaluate your applications for credit, insurance, employment, and even leases. They can use it when they choose to give or deny you credit or insurance, provided you receive fair and equal treatment. Sometimes, things happen that can cause credit problems: a temporary loss of income, an illness, even a computer error. Solving credit problems may take time and patience, but it doesn’t have to be an ordeal.

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