Mortgage lenders use a credit score called a "FICO" score when researching your credit history in conjunction with applying for a home loan.  There are other credit scoring products available to consumers such as Plus Score, Trans Risk, Equifax and Vantage.  However, these are not genuine FICO scores which is the only credit score Fannie Mae, Freddie Mac, FHA and Veterans Affairs will accept.

     Consumers want to know before they begin their home search all the available information on the homes themselves and those most prepared will also seek to find out their own peronal credit score, sometimes spending hours on the internet doing so.  If you as a consumer obtain your credit report that is anything other than a FICO score, it cannot be relied upon as accurate when applying for a home loan.  When consumers search on Google or other places for a "free" credit report they may not be getting what they think they are.  In the meantime, they've given over their non-public personal information to that credit provider FOR LIFE!  

      AnnualCreditReport.com will provide a free annual credit report at no charge, sponsored by the 3 major credit bureaus - Experian, Equifax, and Transunion.  These reports provide all the basic computer data but do not reveal a credit score.  If you need to know your score, they will monitor and provide it for $19.95 per month @ myfico.com