Fact Sheets - Helpful Facts About Your Credit

There are literally hundreds of articles across this website, on a variety of topics related to consumer credit. But we find that many consumers and home buyers have the same questions about their credit, so we have put together some helpful fact sheets on these topics.

Note: All of these links go to Acrobat PDF files that you may download and print. Document size varies from 1 - 3 pages.

What Determines My FICO Credit Score?
When you apply for a mortgage loan, or any other type of financing, your credit score will play a role in getting qualified. So it's important to maintain a good score. Understanding what goes into a credit score is the first step to achieving this goal. Download this fact sheet for more information.

The Truth About Free Credit Reports
There is a lot of confusion around free credit reports, and it's mostly the result of marketing and advertising. In this fact sheet, you can get the straight scoop about credit reports. You'll also learn why this is such a confusing topic for many people.

Credit Repair Scams to Avoid
The vast majority of "credit repair" companies are scams. They make big promises but fail to deliver on those promises. This is why there are so many government warnings against these companies. Download this fact sheet to protect yourself from financial predators.

How to Improve Your Credit Score
This is by far the most frequently asked question we receive from visitors. What can I do to improve my score so I can qualify for a loan? What steps do I need to take? And how can I do it as quickly as possible? You'll find the answers to these questions (and more) in this helpful document.

We will add new fact sheets to this page on a regular basis. You can always reach this page by clicking on the "Fact Sheets" link in the upper-right menu.