Next Steps: FICO Scores & Credit Repair
Already checked your free VantageScore? These are the next steps most home buyers take: see the FICO Scores many mortgage lenders still use, keep an eye on all three credit reports, and clean up errors before you apply.
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1. See your FICO Scores
Lenders can use Classic FICO or VantageScore 4.0 for Fannie Mae and Freddie Mac loans, and many still use FICO. Your FICO Scores can differ from the free VantageScore you see on other sites.
FICO Scores
myFICO
Buy your FICO Scores directly from FICO. Plans differ in how many bureaus and score versions they include, so check which plan shows the scores your lender uses.
All three bureaus
MyScoreIQ
Get FICO Scores from all three credit bureaus along with credit monitoring.
2. Monitor your credit
Credit monitoring
SmartCredit
Credit monitoring with tools that show how paying down or managing accounts could affect your score.
Already a SmartCredit member? Reactivate your SmartCredit account →
3. Fix errors on your credit reports
You can dispute errors with the credit bureaus yourself for free. If you’d rather have help, a credit repair service can manage the disputes for you.
Credit repair
Dovly
A credit repair service that finds and disputes errors on your credit reports. Read our Dovly review first.