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Take control of your mortgage rate. FICO® scores are used in over 75% of mortgage decisions. The more you know about your FICO score and the factors that drive it, the more empowered you'll be to improve your score over time — and earn the best rate you can for your original mortgage or refinancing.

NEW! What-If Simulator
Improve your credit score
Now you can boost credit scores by testing credit-related actions and their effects on your score, like paying off or transferring balances, opening or closing new accounts or increasing existing account balances. You can hypothetically run every scenario until your projected score results are as high as possible.The What-If Simulator helps ensure that you can better qualify for your loan packages. 		  
Download the brochures below:
Ten Ways to Improve Your Credit Score
There are no tricks or quick fixes to getting a good credit score, but you can raise your score over time by demonstrating that you consistently manage your credit responsibly. Higher credit scores can save you thousands of dollars per year.

Understanding your Credit Score
Take control of your mortgage rate. Credit scores are used in over 75% of mortgage decisions. The more you know about your credit score and the factors that drive it, the more empowered you'll be to improve your score over time — and earn the best rate you can for your original mortgage or refinancing.

What Home Buyers Should Know About Credit Before They Begin to Shop
If you’re like most home buyers, you’ll spend a long time picking out that perfect house—maybe 3 to 12 months. Early in the process, you’ll figure out how much house you can afford and start to get your financial house in order so you’re ready to approach mortgage lenders when the time is right.