Credit History and Buying a Home
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.