Free credit tools for home buyers from The Rate Update with Dan Frio

FREE VANTAGESCORE
Credit Scores & MoreA Rate Update resource · Credit help for home buyers
Credit Scores and More
  • 1. FREE SCORE
    • Start Here: Get Mortgage-Ready in 5 Steps
    • Opt Out of Prescreened Offers (Do This First)
    • What Is a Good Credit Score?
    • 10 Credit Score Myths
    • Credit Sesame vs. Credit Karma
  • 2. MORTGAGE SCORES
    • Credit Score Needed to Buy a House
    • Which Score Do Lenders Use? FICO vs. VantageScore
    • What Is the Most Accurate Credit Score Site?
    • UltraFICO Score Explained
  • 3. BUILD CREDIT
    • The Best Way to Monitor Your Credit
    • Boost Your Credit Score Fast: 7 Tips
    • How to Fix Your Credit in 4 Steps
    • Best Credit Repair Options
    • The Real Problem With Credit Reports
    • Credit Advice From a Lending Veteran
  • 4. BUDGET
    • Budgeting Tools: Solvit (60 Days Free) & YNAB
    • What Home Buyers Need to Know About Credit Scores
  • 5. READY TO BUY
    • Compare 30+ Mortgage Lenders (The Rate Update)
    • First-Time Home Buyer Guide (The Rate Update)
    • 5-Day HELOC for Homeowners (The Rate Update)
    • Protect Your Home From Deed Fraud
  • BLOG
Credit Scores & MoreA Rate Update resource · Credit help for home buyers
Credit Scores and More
  • 1. FREE SCORE
    • Start Here: Get Mortgage-Ready in 5 Steps
    • Opt Out of Prescreened Offers (Do This First)
    • What Is a Good Credit Score?
    • 10 Credit Score Myths
    • Credit Sesame vs. Credit Karma
  • 2. MORTGAGE SCORES
    • Credit Score Needed to Buy a House
    • Which Score Do Lenders Use? FICO vs. VantageScore
    • What Is the Most Accurate Credit Score Site?
    • UltraFICO Score Explained
  • 3. BUILD CREDIT
    • The Best Way to Monitor Your Credit
    • Boost Your Credit Score Fast: 7 Tips
    • How to Fix Your Credit in 4 Steps
    • Best Credit Repair Options
    • The Real Problem With Credit Reports
    • Credit Advice From a Lending Veteran
  • 4. BUDGET
    • Budgeting Tools: Solvit (60 Days Free) & YNAB
    • What Home Buyers Need to Know About Credit Scores
  • 5. READY TO BUY
    • Compare 30+ Mortgage Lenders (The Rate Update)
    • First-Time Home Buyer Guide (The Rate Update)
    • 5-Day HELOC for Homeowners (The Rate Update)
    • Protect Your Home From Deed Fraud
  • BLOG

Author: Dan Frio

  • Home
  • Blog
  • Dan Frio
Credit Scores

10 Credit Score Myths That Cost Home Buyers Money

Myths About Credit Scores: 10 That Cost Home Buyers Money Disclosure: Some links in this article are affiliate links. We may earn a commission if you sign up, at no extra cost to you. Most myths about credit scores sound reasonable, which is why they stick around. Some are harmless. Others push people to close […]

October 23, 2026 / Dan Frio / 0 Comments
Credit Scores

Which Credit Score Site Is the Most Accurate? A Mortgage Lender’s Answer

Which Credit Score Website Is Most Accurate? A Mortgage Lender’s Answer Disclosure: Some links in this article are affiliate links. We may earn a commission if you sign up, at no extra cost to you. Quick answer: No credit website is more accurate than the others. Each one calculates the score it shows correctly. The […]

October 23, 2026 / Dan Frio / 0 Comments
Credit Repair

Best Credit Repair Options: DIY, Counseling or a Credit Repair Company

I have spent 30 years in the lending business and have worked extensively with credit repair companies, comparing services, pricing, and client support to identify the best options available. Top of Class #1 Lexington Law Credit report and score monitoring across all three bureaus Dispute of inaccurate, unverifiable, and outdated items on your credit report […]

October 19, 2026 / Dan Frio / 0 Comments
Build Credit Credit Repair

How to Fix Your Credit in 4 Steps (Explained)

A step-by-step guide to fixing your credit: get your reports, dispute errors, lower balances and add positive payment history.

October 19, 2026 / Dan Frio / 0 Comments
Credit Repair

The Real Problem With Credit Reports: Errors (and How to Dispute Them)

Disclosure: Some links in this article are affiliate links. We may earn a commission if you sign up, at no extra cost to you.   The real problem with credit reports is the astounding number of errors     One in five credit reports has ERRORS on them.  Don’t take my word for it, here is […]

October 19, 2026 / Dan Frio / 0 Comments
Credit & Homebuying Credit Scores

What Home Buyers Need to Know About Credit Scores

What Home Buyers Need to Know About Credit Scores Disclosure: Some links in this article are affiliate links. We may earn a commission if you sign up, at no extra cost to you. Your credit score affects two big things when you buy a home: whether you qualify, and what interest rate you get. A […]

October 19, 2026 / Dan Frio / 0 Comments
Credit Repair

Credit Advice From a Lending Veteran: What Actually Moves Your Score

Credit Advice From a Lending Veteran: What Actually Moves Your Score Disclosure: Some links in this article are affiliate links. We may earn a commission if you sign up, at no extra cost to you. After more than 30 years in the lending business, I’ve seen the same credit questions come up again and again. […]

October 19, 2026 / Dan Frio / 0 Comments
Credit Repair

Credit Repair Attorney: What They Do and When You Need One

Credit Repair Attorney: What They Do and When You Need One Disclosure: Some links in this article are affiliate links. We may earn a commission if you sign up, at no extra cost to you. A credit repair attorney can help when a credit bureau or lender refuses to fix information that is clearly wrong. […]

October 19, 2026 / Dan Frio / 0 Comments
Build Credit Credit Scores

Boost Your Credit Score Fast With These 7 Simple Tips

Boost Your Credit Score Fast With These 7 Simple Tips Disclosure: Some links in this article are affiliate links. We may earn a commission if you sign up, at no extra cost to you. By now you are aware that your credit score determines everything from getting approved for a credit card to the interest […]

October 13, 2026 / Dan Frio / 0 Comments
Credit Monitoring
Credit monitoring services

The Best Way to Monitor Your Credit (Free and Paid Options)

The Best Way to Monitor Your Credit (Free and Paid Options) Disclosure: Some links in this article are affiliate links. We may earn a commission if you sign up, at no extra cost to you. Credit monitoring means watching your credit reports for changes: new accounts, late payments, hard inquiries and balances. It’s the fastest […]

September 30, 2026 / Dan Frio / 0 Comments
  • 1
  • 2

Recent Posts

  • 10 Credit Score Myths That Cost Home Buyers Money
  • Which Credit Score Site Is the Most Accurate? A Mortgage Lender’s Answer
  • Best Credit Repair Options: DIY, Counseling or a Credit Repair Company
  • How to Fix Your Credit in 4 Steps (Explained)
  • The Real Problem With Credit Reports: Errors (and How to Dispute Them)

Recent Comments

No comments to show.
Categories
  • Build Credit (3)
  • Credit & Homebuying (1)
  • Credit Monitoring (3)
  • Credit Repair (6)
  • Credit Scores (8)
Recent Posts
  • 10 Credit Score Myths That Cost Home Buyers Money
    October 23, 2026
  • Which Credit Score Site Is the Most Accurate? A Mortgage Lender’s Answer
    October 23, 2026
  • Best Credit Repair Options: DIY, Counseling or a Credit Repair Company
    October 19, 2026
about us

With over 30 years in the lending industry, we’ve helped thousands of people understand and improve their credit — and built this site to give you the same tools and guidance. Affiliate Disclosure: Some links on this site are affiliate links, and we may earn a commission if you sign up or make a purchase through them, at no extra cost to you.

Youtube Facebook-f Linkedin-in

Ready to buy? From The Rate Update

  • Compare 30+ mortgage lenders with one application →
  • First-time home buyer guide →
  • Down payment assistance programs →
  • FHA, VA, USDA and conventional loan programs →
  • DIY Mortgage: check rates and apply online →
Increase your Credit Score
FICO score ranges chart from poor to exceptional

Copyright © 2026 Credit Scores and More. All Rights Reserved.

MY LINKS