Credit Score FAQ E-mail
One of the most important factors in securing your home mortgage or refinancing your current mortgage is your credit score. Read our Credit Score FAQ and find out "What Effects Your Credit Score" and much much more.
What is the highest score I can have?

Credit scores generally range between 350 and 850. Most lenders refer to this as your fico score.

Who determines my score?

Your credit score is compiled by different institutions and is generally a reflection of your credit history as reported to experian, equifax and transunion

What effects my credit score?

Your credit score is calculated using a modeling method. Your score is determined by your payment history, account status, available credit versus your present balances and any derogatory or public records such as a bankruptcy or judgment. Your score may also be impacted by the number of credit inquiries you have over a period of time.

Can I improve my credit score?

Yes! You may be able to improve your score by paying down on revolving accounts, establishing a payment history and making timely payments.

What is the average score?

Recent studies indicate 676 is the average

How do I get a free copy of my credit report?


Who are the main credit bureaus?


P.O. Box 740241
Atlanta, GA 30374-0241


P.O. Box 390
Springfield, PA 19064-0390


P.O. Box 949
Allen, TX 75013-0949
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