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Get Your Free Soft Credit Check Today!
The same score that is used by mortgage lenders.

A SOFT credit check does NOT affect your scores and does NOT count as a credit inquiry!

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Are you Looking to Purchase or Refinance?

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I hereby accept the terms and conditions of UMortgage and acknowledge that, by submitting this form, I am giving authorization for UMortgage to pull my credit with a tri-merge soft-pull credit report.

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Which Score and Model Do We Use?
Lenders will evaluate your credit score from each of the three credit bureaus. They will use a specific scoring model to determine your creditworthiness and ultimately decide whether or not to approve your loan. Mortgage lenders will use FICO scores whereas Credit Karma and other sites will use Vantage Score, which are not the same. Lenders will use the middle score of the three credit scores to make their decision. So, it's important to maintain good credit across all three bureaus to increase your chances of qualifying for the loan you need. 
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