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.
Everyone wants to compare and shop for the best interest rates on a Home Loan or Home Equity Loan. Knowing your FICO® Score and having good credit can actually help you negotiate for better interest rates and smaller monthly payments.

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: Can I use my 401k as a down payment?
Answer: One of the most common reasons people borrow from their 401k is to get money for a down payment on a new home. This can be a great idea for people who won’t be ready to retire for many years—especially since you’re basically taking a low-interest loan from yourself. Keep in mind though that borrowing from your 401k may not be the best idea if you’re likely to leave your job soon.
Taking good care of your credit can help you get the things you want. Get started now!
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 2 days. 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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