Credit Reports

Obtaining a copy of your credit report before starting the home-buying process is advisable. There are several ways to get your credit report.

It is advisable that you have us run your report; it will reflect as a SOFT pull inquiry. The reports we get include the credit scores from all three credit reporting bureaus. (TransUnion, Experian, and Equifax). The algorithm used for our reports is the same one lenders use for mortgage applications. The link to the form is below. The cost of obtaining your credit report with MVHP is $39 per person. This cost can be paid here:

To obtain your credit report yourself, click on the link below:

You can receive one free credit report per year from each of the three credit reporting bureaus. Be aware that free credit reports do not include scores. Each credit reporting bureau charges a fee to provide the score.

You can also obtain a report by mail or phone by contacting the individual credit bureaus. They are Equifax, TransUnion, and Experian.