Creditools - credit improvement services at no cost to our loan applicants

Ask your Loan Officer about Creditool

When you apply for a mortgage, your Loan Officer will obtain and review your credit report. If your Loan Officer determines that you can benefit from credit score improvement, you may be referred to work with Fairway's internal Creditool team at which time you'll be asked to take part in our program. One of our highly skilled credit analysts will be assigned to review your credit report and draft a credit improvement action plan for you. There is no cost to you to do so.

View Resources & Links for Credit Help Below

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.

Learn More