Please pay for your credit report directly with our credit vendor at your earliest convenience here: https://consumers.advcredit.com/PreQual?id=RYT3
It will notify us upon completion and send you a receipt for your records.
This report has FICO scores AND Vantage scores on a combined report for your benefit! As of this page update in August 2026, most lenders nationwide do not accept Vantage score algorithms. What this means is we have a number of lenders who do and for certain scenarios the Vantage scores will give you more favorable rates/pricing than FICO.
Cost: Each credit report costs $140.25 with up to two (2) borrowers per report. So if you are applying with a co-borrower or co-signer please be sure to add their info to this to save money. We regularly see $200-$275 quoted for credit report fees on competing lender quotes.
Expiration: The credit report will not expire for most loan programs until 120 days after obtaining it, meaning for example if you close on your home purchase on day 119, we will not need another credit report that entire time.
Here are a few reasons why as a brokerage we ask the clients to pay for their credit reports up front:
- It is fair to you when everyone pays for their own credit report. We will never ask you to subsidize people who don’t work with us by inflating our rates and fees.
- As a brokerage, we can use your single credit report with only one hard inquiry at any of our wholesale partner lenders. Paying for a report with us is much more efficient than at multiple traditional lenders whose reports are tied only to one company and each have a hard inquiry on your credit history.
- If we keep low corporate overhead and expenses, we can continue to offer all of our clients very low rates and fees and world class service.
- Our company only gets compensated through closed loan transactions, to serve you to our best ability we must allocate our time wisely.
- For most loan types (FHA/VA/USDA/Conventional/Jumbo) we do have a credit report option available that has no up front cost, which is paid at closing with that particular wholesale partner. The downside is they do not always have the best rates we have access to, and their report is not transferrable. As a broker it is highly advisable you pay for your own report we can use with all of our partners. Call with questions at 469-888-8258.
