AnnualCreditReport.com - This is a government authorized source for free yearly credit reports to consumers.  You might want to check your credit report to determine if there are errors that should be resolved before starting the loan process.  It is important to remember that this is a report specifically for consumers and does not include a credit score.  We are required to use a different credit report - specifically for the mortgage industry - in order to process your loan.  If you choose to pay for your credit score through AuunalCreditReport.com, the score given will be different than on our report.