We recommend monitoring your credit report often, especially if you are wanting to buy a home soon.

This doesn’t mean incurring multiple mortgage credit report inquiries as we (consumers) are able to check and monitor our credit reports for free online at https://www.annualcreditreport.com/index.action (Blink Lending is no way affiliated with this website) and avoid hard inquiries that negatively impact our credit scores.

Obtaining your credit score and report here will let you know where you stand and you’ll want to closely monitor your credit report for anything that has changed or that may be incorrect.

If you need to dispute an account or correct inaccurate information, in most cases you’ll need to contact the bureau directly.

Credit score tiers for interest rates are as follows:

780 – 850 = Best Rates

760 – 779 = Phenomenal Rates

740 – 759 = Amazing Rates

720 – 739 = Excellent Rates

700 – 719 = Great Rates

680 – 699 = Good Rates

660 – 679 = Average Rates

640 – 659 = Fair Rates

620 – 639 = Marginal Rates

350 – 619 = Typically Do Not Qualify for Traditional Lending