Your Home Matters (SM)

A credit report is a general overview of the credit-related decisions you’ve made. It includes information about your existing credit cards, mortgages, and other loans. It also includes how much you owe and your payment history on those accounts and others, like utilities and other bills.

Your credit score is a three-digit numerical grade that’s assigned to your credit report – the higher the better. Lenders and other creditors look at your credit report and credit score as important factors to determine the risk involved in providing you financial services, such as mortgages and other loans.

What makes up your credit score?

Understand the components of a credit score and learn how to calculate your score.
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Learn strategies to manage your credit

Here are some ways to better manage your finances, while developing money management skills.
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Know what creditors are looking for

Lenders consider many factors when reviewing your loan or credit application.
What creditors look for

 Get a free copy of your credit report 

You can request a free copy of your credit report each year at or call toll-free 1-877-322-8228.

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