Don’t just make the grade. Clear it.

While reviewing your credit report and scores is a good practice, it becomes particularly important if you're considering a mortgage.To ensure you're on top of things, here are some resources to put you in the best position.

Free Credit Reports

This is like getting a sneak peek at the information lenders see. Consumers can review their personal credit reports weekly for free at: www.annualcreditreport.com

Correct Credit Reporting Errors

Did you spot an error on your report? Learn how to file a dispute:

https://consumer.ftc.gov/articles/disputing-errors-your-credit-reports

or

https://www.annualcreditreport.com/filingADispute.action

Avoid Unwanted Solicitations (Trigger Leads)

Tired of pre-approved credit card offers cluttering your mailbox and unwanted phone calls? You can opt-out at these sites:
https://www.optoutprescreen.com  (for mail)
www.donotcall.gov  (for phone)

Housing Counseling Services

Thinking about buying a house and need some guidance? HUD-approved housing counseling services are available for free! https://hud4.my.site.com/housingcounseling/s/?language=en_US

Credit File Security

Fraudsters love easy targets. Freezing your credit report makes it harder for them to open new accounts in your name. Here's how to place a freeze (or remove one if needed) with the major credit bureaus:

Equifax: https://www.equifax.com/personal/credit-report-services/

Experian: https://www.experian.com/freeze/center.html

Transunion: https://www.transunion.com/credit-freeze

Additional information about credit freezes and fraud alerts:

https://consumer.ftc.gov/articles/what-know-about-credit-freezes-and-fraud-alerts

Remember to remove a freeze or lock before pulling credit.

Learn more about Credit Scores

Want to understand what goes into your credit score? These resources can help.