Important Details

Credit History and Buying a Home

Review Your Credit Report Early in Your Journey

Your credit history and score affects getting a loan and the terms of the loan. Know your score and review your report early on and again every year. You’re entitled to a free report each year.

Equifax, Experian and TransUnion are the credit reporting bureaus that compile credit information. Lenders get credit reports from one or all of these agencies when you apply for a loan. Your report can vary from one agency to another, so review each report carefully.

By law, you get a free copy of your report from each agency every 12 months. If you find and dispute an error, get a new report to verify that the mistake is fixed. Also get a new report if you’ve been denied credit or are the victim of fraud.

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Important Details




Zions Bank sponsors the Homeowners Café® as a service to the community; therefore, all information provided should be considered as educational in nature and not as professional services. By utilizing the services of, and the information provided by, the Homeowners Café, you acknowledge and agree this does not constitute any legal commitment to become a customer of any bank, including Zions Bank and its affiliates nor does it constitute an offer of any extension or modification of any credit to you by Zions Bank or its affiliates.

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This page was last modified on Thu Sep 21 20:14:59 MDT 2017