It is my understanding that each person is entitled one (1), free, annual credit report. I was curious as to the process of receiving this report and from what agency you go through.

Is it true that’s ur FICO score is what they look at regarding getting a house? How is the score add up of what is it added up from. I’m looking into buying a house and and I was informed me that I needed a credit score of 620. I have a 590, 573 and 601.

I have a very good credit and 20% cash down for my home.
I am planning to make an offer for a property which I liked, so during the offer does it help if I give my FICO score and how much cash I am willing to pay for the property? (lets say its 20%) of the property ?

At MyFico site, they claim that the median/average fico score is 723. Could that be correct? I personally think that it is around 670. What are your opinions?