To obtain a credit report for a house purchase, visit , the official free platform mandated by the U.S. government. Request reports from all three major credit bureaus—Equifax, Experian, and TransUnion—either simultaneously or individually. You may also contact them directly via phone or mail, though online requests are faster. For a paid service, consider myFICO or Experian’s credit monitoring, which include credit scores alongside reports. Always review reports for accuracy, dispute errors via the bureaus’ websites, and ensure they reflect your financial health before applying for mortgages.

This process is critical because credit reports directly influence mortgage eligibility, interest rates, and loan terms. A 2023 Federal Reserve study found that borrowers with credit scores above 780 typically secure loans at 3.5% to 4.5% interest, while those below 620 face denials or rates exceeding 7%. The Consumer Financial Protection Bureau (CFPB) reports that 1 in 5 consumers has at least one error on their report, which can raise rates by 50 basis points or more. Regular checks help catch inaccuracies, such as mistaken debts or fraudulent activity, preventing higher payments or rejected applications. For instance, a 2022 Experian analysis noted that consumers who dispute errors saw an average credit score increase of 40 points within six months, significantly improving mortgage terms. Timely credit report reviews ensure optimal borrowing conditions, saving thousands in interest over a loan’s lifespan.