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Our Team

Victory Mortgage Solutions Experienced Professionals


Victoria Hale, AMP

NMLS# 780101

Victoria Hale has over 26 years of mortgage banking and real estate experience in sales and operations management. Her many years of mortgage operations experience give her a unique understanding of the lending process that allows her to navigate clients through transactions as smoothly as possible.  

Victoria specializes in helping clients find the right product to best meet their needs. Whether you are a first-time homebuyer investigating down payment assistance programs or a move-up buyer building a home of their dreams, Victoria will find the right loan to meet your needs. She believes communication is key during the homebuying process and prides herself in keeping her clients and their agents informed every step of the way.

Victoria is a graduate of Leadership Frederick County 2020. She is a Board Member of the Phoenix Foundation, the only recovery high school in Maryland.

Victoria is a Maryland native and resides in Frederick with her husband and dog, Talulah. She loves to travel and particularly enjoys dining out at the many amazing restaurants in downtown Frederick.


Thomas Trott Jr.

Co - Founder
NMLS# 486208

Prior to starting Victory Mortgage Solutions, Tom celebrated more than 10 years with Embrace Home Loans, most of that as the Manager of the Frederick Team (which includes Martinsburg, WV).

He was named to the Chairman’s Club in 2020 with over $50 million in sales for the year. This is just the latest in a string of successes, including being named to the President’s Club nine years in a row and maintaining a 5-star rating on Survey).

Tom has a B.S. in Business Administration from Towson State University. He is active in the local community and is on the Board of Directors of three organizations: Heritage Frederick, Mount Olivet Cemetery, and the YMCA. He is also the Chartered Organizational Representative for Troop 470 Scouting USA and a member of Elks Lodge 684. 

Tom currently resides in Frederick where he enjoys history, genealogy, hiking, and biking in his free time.


Kevin Dunne

Mortgage Lender
NMLS# 780103

Kevin Dunne is a Maryland native and originally hails from Silver Spring. He entered the real estate arena in 1998 as a settlement officer and became a mortgage lender in 2010.

Kevin specializes in helping first-time homebuyers and builds strong relationships with clients through his integrity, honesty, and professionalism. He is well-versed in conventional, USDA, FHA, and VA loans, and most of his clients are in central Maryland – from Westminster to Frederick to Mount Airy.

Kevin has a B.S. in Business Administration with a concentration in finance from Towson State University. He has served his community as a lifetime member of the VFW Auxiliary Post #100706, as past president, and current Board of Directors of the 4 County Lions Club, and volunteers at the Frederick Rescue Mission serving lunch for those in need on weekends.

Outside of mortgage lending and community service, Kevin values time with his wife and three daughters. He enjoys playing golf and working out.

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Credit Scores: Checking, Maintaining, Repairing, and Preparing to buy a home.

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Your Guide to Monitoring Your Credit and Staying Financially Informed


In today’s financial landscape, your credit score plays a crucial role in determining your eligibility for loans and credit. Whether you’re applying for a mortgage, car loan, or credit card, lenders rely heavily on your credit score to assess your creditworthiness. As a result, it’s essential to stay informed about your credit health and monitor your credit reports regularly. Many people, however, are concerned that checking their credit might have a negative impact on their credit scores. In this comprehensive guide, we will debunk this myth and explore various methods to check your credit without hurting your credit score. Let’s dive in!

The Importance of Monitoring Your Credit

Checking your credit reports and credit scores is a proactive approach to managing your finances. By monitoring your credit, you can:

1.     Detect Errors and Inaccuracies: Regularly reviewing your credit reports allows you to identify any errors or inaccuracies that may negatively impact your creditworthiness. By spotting these issues early, you can take appropriate action to rectify them and prevent potential damage to your credit.

2.     Prevent Identity Theft: Monitoring your credit reports can help you identify signs of identity theft. If you notice unfamiliar accounts or suspicious activity on your credit reports, you can take immediate steps to mitigate the damage and protect yourself from further fraudulent activity.

3.     Understand Your Credit Health: By regularly checking your credit reports and credit scores, you gain insight into your overall credit health. You can assess your financial progress, identify areas for improvement, and make informed decisions when applying for new credit.


Repairing and Maintaining Credit

Paying on time is a significant factor in maintaining a good credit score. On-time payments contribute significantly to your credit score, so it’s crucial to make payments on time. If you have recent late payments on your credit reports, it’s generally a good idea to let some time pass before filling out a mortgage application. Late payments impact your credit scores most negatively when they first occur, but as time passes, they become less detrimental.

Avoiding taking on additional debt is advised also advised. Applying for new credit can temporarily lower your credit score and impact mortgage interest rates. It’s best to wait to apply for a new credit card or loan if possible as you prepare your credit to apply for a mortgage.

Taking steps to repair credit is essential for those with low credit scores. As discussed earlier, checking credit reports for errors and disputing inaccuracies is a good starting point. Then, focus on making small, regular payments and reducing high-balance accounts. Consider debt consolidation loans or working with credit counseling agencies for assistance. Setting a target credit score and working towards it can also help improve creditworthiness.

By following these steps and actively managing your credit, you can improve your credit profile, increase your chances of qualifying for a mortgage, and potentially secure more favorable loan terms.


Soft Inquiries vs. Hard Inquiries

Now you’re probably asking, how can I check my credit score safely? That’s when it’s important to understand the distinction between soft inquiries and hard inquiries. These terms refer to how your credit information is accessed and whether it impacts your credit score.

Soft Inquiries: Soft inquiries are credit checks that do not affect your credit score. These inquiries include checking your own credit reports or credit scores, as well as inquiries made by companies for promotional purposes or existing account reviews. Soft inquiries are visible only to you and do not impact potential lenders’ evaluation of your creditworthiness.

Hard Inquiries: Hard inquiries occur when a potential lender reviews your credit history in response to a credit application. Unlike soft inquiries, hard inquiries can impact your credit score, albeit temporarily. Each hard inquiry typically results in a small decrease in your credit score, but multiple inquiries within a specific period of time (usually 14 to 45 days) for the same purpose (e.g., mortgage or auto loan) are treated as a single inquiry to minimize the impact on your credit score.

Free Methods to Check Your Credit

Now that we understand the difference between soft and hard inquiries, let’s explore the various ways you can check your credit without hurting your credit score. These methods are not only free but also provide valuable insights into your credit health.


One of the most reliable and widely recognized sources for free credit reports is By law, you are entitled to one free credit report from each of the three major credit bureaus (Experian, Equifax, and TransUnion) every 12 months. To maximize the benefits of this service, consider staggering your requests throughout the year, obtaining one report from each bureau every four months.

2. Credit Card Issuers and Banks

Many credit card issuers and banks provide free access to credit scores for their customers. This information is often available through online banking platforms or mobile apps. Check with your credit card issuer or bank to see if they offer this service and take advantage of the opportunity to monitor your credit regularly.

3. Credit Monitoring Services

Several websites and apps offer free credit monitoring services that provide access to your credit reports and scores. These services often include additional features such as email alerts for changes in your credit reports, credit score tracking, and identity theft protection. While some credit monitoring services may require a paid subscription for advanced features, basic credit score checks are typically available for free.

Best Practices for Checking Your Credit

While checking your credit is essential for staying informed, it’s important to follow best practices to ensure the process is effective and doesn’t negatively impact your credit. Here are some guidelines to keep in mind:

4.     Regularly Monitor Your Credit: Aim to check your credit reports at least once a year, if not more frequently. By doing so, you can catch errors, detect signs of identity theft, and keep track of your overall credit health.

5.     Space Out Credit Report Requests: If you choose to obtain your credit reports through, consider staggering your requests throughout the year. By spacing out your requests, you can monitor your credit consistently without waiting an entire year for updated information.

6.     Be Mindful of Applying for Credit: While checking your own credit does not impact your credit score, applying for new credit can result in hard inquiries. Limit the number of credit applications you submit within a short period of time to minimize the impact on your credit score.

7.     Protect Your Personal Information: When accessing your credit reports or credit scores online, ensure you are using secure and verified websites. Look for URLs that start with “https” to ensure the transmission of your personal information is encrypted and secure.


Checking your credit is a vital step in managing your financial well-being. Contrary to popular belief, checking your own credit reports or credit scores does not hurt your credit. Instead, it empowers you to take control of your financial health, detect errors, prevent identity theft, and make informed decisions when applying for credit. By utilizing the free methods outlined in this guide and following best practices, you can monitor your credit effectively and maintain a healthy credit score. Remember, knowledge is power when it comes to your credit!

Disclaimers: Credit reports and credit scores may vary slightly between different credit bureaus and scoring models. While the information in this guide is accurate and up-to-date, it is essential to remember that it is for informational purposes only and should not be considered legal or financial advice. Please Consult with a qualified professional for personalized guidance regarding your specific situation. Contact a professional today here.