Top New York Commercial & Residential Mortgage Brokers
Credit Repair
FTC Information
Credit Check
Credit Check - FAQ
Watch Videos


Thank you Great Northern Mortgage for the superior handling of my home mortgage package. My attorney Ike Dibia was also impressed with your work in creating the best loan possible. I look forward to any opportunity to recommend your team.

Lissa Luke
Attorney At Law

More Testimonials


HOME / Credit Check  

Secure Online Credit Check

Check Your Credit to Know All Three Credit Scores

Your money will NOT be refunded and you will NOT receive a copy of your credit report if you do not work with Great Northern Mortgage.

It is strongly suggested that every person must check his or her credit report every six months. The reason why is outlined below.

"It is outrageous that inaccurate credit reports could damage 1 in 4 consumer's ability to buy a home, rent an apartment, obtain credit, open a bank account, or even get a job." "Those mistakes ruin the financial reputations of hardworking Americans," said Ed Mierzwinski, U.S. Public Interest Research Group (PIRG) Consumer Program Director.
In June 2004, The U.S. PIRG published the results of a survey it conducted involving 200 adults in 30 states to test the validity of credit reporting. Their findings were as follows:

  • Twenty-five percent (25%) of the credit reports contained errors serious enough to result in the denial of credit;
  • Seventy-nine percent (79%) of the credit reports contained mistakes of some kind;
  • Fifty-four percent (54%) of the credit reports contained personal demographic information that was misspelled, long-outdated, belonged to a stranger, or was otherwise incorrect;
  • Thirty percent (30%) of the credit reports contained credit accounts that had been closed by the consumer but incorrectly remained listed as open.
SOURCE: U.S. Public Interest Group Research; One In Four Credit Reports Contains Errors Serious Enough To Wreak Havoc For Consumers, US PIRG Press release, 06/17/04

What is Your Credit Score?

As the old saying goes, there is no such thing as a free lunch. The same is true with most free credit check offers. For example, most websites charge at least $19.95 for access to all three of your credit scores. These websites offer a lot of red tape put up to complicate the process of canceling the free trial and subsequent monthly memberships that is often required. We offer one time purchase with no strings attached. There are no membership requirements, no trial periods, no calling back to cancel your trial offer, and no monitoring offers. Once you pay with your credit card, we will send a credit report to your email indicated on the form. Most importantly, when you request your credit score through our secure website, you will receive TRUE credit scores that any lender will get (time limitations apply) when pulling your credit to underwrite your loan. Any free credit check websites you can find on the internet will NOT give you the same accurate scores for the following reasons (see proofs below), which may result in higher interest rate, lower loan amount, or even a denial of your mortgage application. When you complete an online form on such websites, the three credit bureaus, Experian, TransUnion and Equifax, will not know the reason why you request the credit report. People check their credit for multiple reasons:
  • To buy a car
  • To apply for a credit card
  • To apply for a job
  • To apply for a mortgage
  • To do an annual credit check
  • Other reasons
The FICO scores people get will vary depending on the type of inquiry.  To illustrate this difference, with the client’s consent (for security reason we left only the first letters of the First and Last Names) we checked the credit scores of that person on the same day (03.15.2009) with four different companies:
  2. /
  4. (mortgage type inquiry, checked through Great Northern Mortgage) 
On we checked only TransUnion score for two reasons: to avoid additional cost for checking credit with other bureaus, and since this company gives a credit score based on VantageScore System, not FICO, which lenders do not use yet.  The way the three bureaus work is that if an individual does multiple credit checks within the FOURTEEN days of the initial inquiry and FOR THE SAME TYPE OF INQUIRY, the credit scores should be the same. For example, if the person is shopping for a mortgage, and checks his or her credit with different lenders within the 14 day period, the individual’s FICO scores should be the same. If within the same time frame the same individual applies for a credit card or extends his or her credit card limit, or applies for a car loan, FICO scores will drop since this is a different type of inquiry.







See Screenshot /


See Screenshot




See Main Screenshot


See Screenshot


See Screenshot


See Screenshot Northern Mortgage


See Screenshot



* Click on “See Screenshot” to see images

1430 Broadway, Suite 1207, New York, NY 10018