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Free credit score access for April is now open — up to $84 covered

Limited Time Offer $84 → Free

Stop Guessing! See Your True Mortgage Score

Your credit score plays a critical role in qualifying for a mortgage. With Loaning.ai, understand your real option early — We cover the full $84 of your credit report cost.

Don't miss your chance to check your credit report this month

You can check the FICO® mortgage score lenders actually use to evaluate your mortgage application.

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Why Credit Karma Isn't Enough

Understanding the difference between credit scores can save you thousands on your mortgage.

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    What Credit Karma Shows

    Most free credit apps, including Credit Karma, show a VantageScore — commonly used for credit cards.

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    What Mortgage Lenders Use

    Mortgage lenders typically rely on FICO® scores when reviewing applications and setting interest rates.

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    Why This Difference Matters

    • You could be declined for a loan you expected to qualify for
    • Or pay significantly more interest over the life of your loan

Know Where You Stand — Before You Apply

Get the information lenders use to evaluate your mortgage application.

  • Lender-Grade Credit Report — Free

    We cover the full $84 cost so you can access a professional, lender-grade credit report with no upfront fees.

  • Real Mortgage Credit Scores

    See your mortgage FICO® scores from Experian, Equifax, and TransUnion — the same data lenders review.

  • Your True Buying Power

    Understand how your current debts affect your DTI and see how much home you can realistically afford right now.

Ready to See Where You Stand?

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Is this safe? Yes.

We use Soft Pull technology to retrieve your complete credit report without leaving a "hard inquiry" on your record. Your credit score will not be affected. This check is completely invisible to lenders and won't impact your ability to apply for credit.

Credit Report Access

View your full credit report. See the factors affecting your score, like payment history or credit utilization.

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Worried About Spam Calls?

Before any future hard pull, you can reduce unwanted lender marketing calls. Learn how to opt out easily.

Go to Opt Out Page
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Ready to buy a home?

Use your score to explore Conventional, FHA loan options with us

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Legal Disclosures & Licensing

  • No Impact on Credit Score: Loaning.ai uses a "soft credit pull" to provide your mortgage credit report. This process will not affect your credit score or appear as a hard inquiry to other lenders.
  • Pre-qualification Disclaimer: This service provides a pre-qualification estimate for informational purposes only. This does not constitute a commitment to lend or an offer of credit. Final loan approval is subject to full underwriting, including verification of income, assets, and property details.
  • Licensing Information: Loaning.ai is a trade name of HABITFACTORY USA, INC. DBA Loaning.ai, a licensed mortgage lender. For a full list of our state licenses and regulatory disclosures, please visit our Licensing Page. NMLS ID: #2357195 (Verify via NMLS Consumer Access).
  • Privacy & Account Cancellation: Your data is secured with industry-standard encryption. By using this service, you agree to our [Terms of Service] and [Privacy Policy]. If you wish to opt-out of our services or request data deletion, you may do so at any time by canceling your account within the application settings.
  • Equal Housing Lender: We conduct business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
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