One of the most popular scoring models is the FICO® score, which uses a five-category scoring model that weighs payment history (35%) amounts owed (30%), length of credit history (15%), new credit (10%), and credit mix (10%). Read more about what makes up your credit score.

What Is a FICO ® Score? A FICO Score is a type of credit score created by the Fair Isaac Corporation. Lenders use borrowers’ FICO Scores along with other details on borrowers’ credit reports to assess credit risk and determine whether to extend credit.

What Is a FICO ® Score? A FICO Score is a type of credit score created by the Fair Isaac Corporation. Lenders use borrow... Make payments quickly, monitor your FICO ® Score, and see customized ways to leverage your home equity—or quickly get in touch with a mortgage expert for ...

Setting up AutoPay is quick, easy, and free. All you need to do is choose a payment frequency—Monthly or Biweekly—and complete the online form; we’ll automatically deduct the payments going forward. How do I request a payoff quote online? If you’re a Mr. Cooper customer, you can requ...

Most use credit reports from the three primary credit bureaus (Experian, Transunion, and Equifax) to evaluate your credit score. Generally, homebuyers with higher credit scores qualify for lower interest rates. You can claim a free copy of your three credit reports every 12 months fr...

A verification of mortgage (VOM) is an official statement that verifies your existing loan terms and provides a rating of the payment history, including if the loan was current or delinquent for each month listed. It reflects only the most recent 12 months of your loan, exclu...

You can also make a one-time payment through your online account. Check out our Smart Calendar for important information about your due date, grace period, and more. Here’s a video on how it works and where to find it: © 2025 Nationstar Mortgage LLC d/b/a Mr. Cooper. Mr. Cooper is a ...

Here’s what you need to know about credit corrections: Mr. Cooper does not complete “goodwill” credit suppression/corrections. Mr. Cooper will not change or suppress any validly reported delinquency. Credit repair companies cannot force a creditor to change valid reporting.

Get Cash. Tap into your home's equity, with or without refinancing your first mortgage.