Frequently Asked Questions:

Q. Who are we?

My Mortgage Score is dedicated to empowering consumers by providing direct access to their true credit scores that lenders use. Established with a commitment to trust and transparency, we are here to help assist consumers in their financial journey. Powered by Premium Credit Bureau, with offices from Florida to California, we are ready and able to assist.

Q. Why pay for my score when I can see it for free in my apps/online?

There are many different credit score models out there, for a variety of things. These can vary from 30-100+ points. The credit reports that we offer provide the score model that is required for use by lenders. These score models are therefore the most valuable, and thus charged for by the bureaus.

Q. Are you credit repair?

No, My Mortgage Score and Premium Credit Bureau are not credit repair. We simply provide access to the true credit scores and reports lenders use. We do offer score analysis through scientific analytical tools, that decipher different factors and actions, which can affect scores positively or negatively. My Mortgage Score and Premium Credit Bureau can only suggest actions consumers can take, and cannot directly impact credit scores to rise or fall.

Q. Will checking my score impact my credit rating?

No, checking your own credit report through our service is a soft inquiry and does not affect your credit score.

Q. Are there any recurring fees?

No, our website is a one-time purchase of your report, that can be done whenever you’d like to review your credit profile and true mortgage credit score.

Q. What is a credit score?

A credit score, is a tool used by lenders to evaluate a person’s ability to fulfill their financial commitments.

Q. Why does my credit score matter?

Having a higher credit score can make it easier to qualify for loans, obtain housing, and receive better rates.

Q. What impacts my credit score?

Credit can be built up through a history of making timely payments on credit cards, loans, and services that get reported to the credit bureaus. Scores can be hurt by missing payments, going over or near credit limits, or taking out new loans.

Q. Why should I get scores from all three credit bureaus?

Credit scores and reports can differ across the three main credit bureaus. Lenders will typically check your credit from more than just one of these. When applying for a mortgage, for example, lenders typically consider your middle score of the three to be where you stand. Hence, having your scores from all three bureaus is the best way to gain a full understanding.

Q. Why should I check my credit report regularly?

Regular monitoring of your credit report is crucial to spot any inaccuracies or potential fraud. If you're planning to apply for credit soon, keeping your report and scores current is advisable, as it ensures that lenders are making decisions based on the most accurate information.

Q. How do I receive my report and scores?

Scores will be viewable instantly after placing your order. Instructions on accessing your full report will be emailed manually by one of our staff members. Time frame of deliverability will vary depending on when the order was placed. Expect faster delivery during business hours. For more information, click here.

Q. Need more help?

Feel free to reach out to our dedicated customer support team - click here.