Should You Check Your Credit Score Before a Mortgage?

Should You Check Your Credit Score Before a Mortgage?

Yes! Checking your score beforehand is like peeking at the final exam answers before test day—it doesn’t change the rules, but it gives you an advantage.

Funny tip: Don’t stress over minor dips—your score isn’t a living creature (though it sometimes feels like it).

Practical tips:

  • Pull your free report from Equifax or TransUnion.

  • Look for errors—sometimes accounts are reported as “lost in Narnia.”

  • Plan your mortgage application timing to avoid new inquiries before lenders check your score.

Checking your credit score does not hurt it, as long as you use a soft pull (the kind that banks don’t count as an inquiry).

Follow our blog for funny, practical ways to manage your credit score and mortgage readiness!

Informational purposes only. Mortgage lenders may have different requirements. Consult a licensed financial advisor.

Location: Mayfair, Calgary, AB T2V, Canada

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