It is crucial to know your actual Fico credit before starting mortgage shopping. Countless of websites offer “free” credit scores, but the majority of those scores are not used by any lenders.
You can obtain your Fico Credit scores 3 different ways.
1. You can pull your Experian, Transunion and Equifax Fico scores for a fee by visiting http://www.my.fico.com
2. Several lending institution have started to offer their customer a free score on their websites. Customers of Penfed, Citi, Discover, DCU and many others currently receive a free score.
3. Every time you apply for credit, lenders are by law required to provide you with a credit score. The only downside to this option is that several lenders use a modified scoring system.