IMPORTANT INFORMATION:
When you order your $1 Credit Report & FICO® Score, you will begin your 7-day trial membership in Experian Credit TrackerSM. If you don't cancel your membership within the 7-day trial period*, you will be billed $21.95 for each month that you continue your membership. You may cancel your trial membership anytime within the trial period without charge.
Credit score calculated based on FICO Score 8 model. Your lender or insurer may use a different FICO Score than FICO Score 8, or another type of credit score altogether. Learn More.

Do you qualify for a better deal?

Good credit can help you get better home loan rates.
Knowing where your credit stands can help you negotiate for better interest rates and smaller monthly payments on home or home-equity loans.

Mortgages & Your Credit

When one thinks of FICO® Scores and home-ownership, one thinks—of course—about mortgages. However, things like kitchen remodels, room additions, new roofs and security systems might cost less with a good FICO® Score, too. Then, once you spruce up the place, proper maintenance keeps it looking good and costing less.
Yes! Credit Matters: Choosing the Right Mortgage
Deciding between a Fixed Rate Mortgage or an Adjustable Rate Mortgage (ARM)? Which mortgage is better for you depends on your credit situation and your future plans with the property. The ARM interest rate is made up of “the index” and “the margin” (the profit fee charged by the lender). A good FICO® Score lowers the margin significantly, saving you thousands or tens of thousands of dollars.
Yes! Credit Matters: Home Improvement
With the money you save on your home loan thanks to a good FICO® score, you’re able to consolidate debt under one low interest rate, or pay for home repairs and home improvement, which could potentially increase your home’s market value.
Question: How long does a mortgage stay on your Experian Credit Report?
Answer: Your mortgage starts getting reported when you first open the account and have your loan funded. Once you pay the loan off, your Experian Credit Report will continue to reflect how the account was handled for a maximum of 10 years.
Taking good care of your credit can help you get the things you want.
IMPORTANT INFORMATION:
When you order your $1 Credit Report & FICO® Score, you will begin your 7-day trial membership in Experian Credit TrackerSM. If you don't cancel your membership within the 7-day trial period*, you will be billed $21.95 for each month that you continue your membership. You may cancel your trial membership anytime within the trial period without charge.
Credit score calculated based on FICO Score 8 model. Your lender or insurer may use a different FICO Score than FICO Score 8, or another type of credit score altogether. Learn More.
Yes! I'd Like to Know My FICO® Score.
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*The credit monitoring benefit may only be available for 5 days during your trial period since enrollment can take up to 48 hours. You may cancel your trial membership any time during your first 7 days without charge.

**Due to New York state law restrictions, the Experian Credit Tracker℠ Guarantee cannot be offered to residents of New York.

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