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"In our residential mortgage practice, we frequently do rescores for borrowers.

Water, cable, electric, sewer or gas bill are also acceptable. This information can be sent prior to receiving the letter and can be mailed to PO Box 6495, Sioux Falls, SD 57117-6495 or faxed to 1-866-706-5137 or email at Credit.

[email protected] you have any questions regarding the documents you may send or to confirm if they’ve been received (please allow us 24-48 hours to review after receiving); please feel free to call our Customer Inquiries Department at 1-888-201-4523.

A few credit score points can mean the difference between a good mortgage rate, a lousy one or getting a loan at all.

But take heart: If errors are dragging down your score, you can get them fixed, just in time for your much-anticipated closing.

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