There are several ways to check your credit score when refinancing a mortgage:
- Check with your current lender: Your current lender may provide you with your credit score for free or for a small fee. Contact your lender and ask if they can provide your credit score.
- Use a free credit monitoring service: There are several free credit monitoring services available, such as Credit Karma or Credit Sesame, that allow you to check your credit score and credit report. Keep in mind that the score you see on these free services may be slightly different from the score a lender sees.
- Check with a credit reporting agency: The three major credit reporting agencies in the United States are Equifax, Experian, and TransUnion. You can request a free credit report from each agency once per year through AnnualCreditReport.com. While the credit report itself won’t provide your credit score, it will provide information that lenders use to calculate your score.
- Check with your bank or credit card issuer: Some banks and credit card issuers offer free credit scores as a benefit to their customers. Check with your bank or credit card issuer to see if they offer this service.
It’s important to regularly monitor your credit score and credit report, especially when considering a mortgage refinance. A higher credit score can help you qualify for better interest rates and save you money over the life of th