Your Credit Report

 The information in your credit report has a huge impact on whether or not

 you qualify for a mortgage loan and what interest rate a lender will offer.

 Therefore it's important your credit report reflects a positive image of the way

 you manage your money.  If you're getting ready to buy a home, checking

 your credit report is the best way to ensure you get the loan and interest rate

 you deserve.
 

 

The easiest way to see what’s in your credit report is to contact the three national credit reporting agencies – Equifax www.equifax.com, Experian www.experian.com and TransUnion www.transunion.com - and request a copy from each. That’s because the three agencies are independent of each other and the information may differ on all three reports. In addition, you may not know which agency your lender will use to check your credit, so it’s best to verify that all three have correct information about your credit history.  If you have questions about what your credit report is trying to tell you, Contact your LoansA2z  expert for guidance. 

 

If you've been denied credit, insurance, or employment because of information
in your credit report from any of the three agencies, you can obtain a free credit report by contacting the agency within 60 days of receiving a denial notice.
 
For additional fees, each agency may offer you different report variations, such as:
 
  • A credit report with or without your credit score.
     
  • A three-in-one credit report that lets you see a side-by-side comparison of records, from all three agencies, with or without scores.
     
  • Notification services when your credit history is requested.
     
  • Routine notification changes to your file.
     
  • Subscriptions that allow you to access your report on a regular basis.
 
 
 
 
 
 
New Law Promotes Free Access To Credit Reports
 

Now you are able to get your credit report for free regardless of your employment or financial situation. A recent amendment to the federal Fair Credit Reporting Act (FCRA) mandates that each agency provide you with a free copy of your credit report, at your request, once every year.

 

To request your free credit report, visit http://www.annualcreditreport.com.The best way to check up on your credit report year round is to order a free report from only one of the three major vendors every 4 months. Since most creditors report to all three bureaus, viewing one will usually tell you what is on the others.
 
As an example, order your free report from Experian in January. Then in May, order a report from Trans Union. Finally, order a report from Equifax in September. Repeat the process and you will be more in tune with what your reports says.
 
What ever you do. We strongly encourage you to stay away from any of the other sites that promote getting a free credit report. Most of these sites include provisions in their Terms of Use that allow them to pre-screen you and they in turn sell your information to other vendors who will bombard you with "Special Offers".  Many of these offers really aren't all that special, if you know what I mean.
 

Whether you are thinking of buying a home or simply curious about what’s in your credit report, it’s important to correct any errors you discover as soon as possible. You don’t want errors in your credit report affecting your eligibility for credit in the future.

 

 Less-Than-Perfect Credit?  We can Help!

 

Low Credit Scores, Late Payments showing on your credit report, bankruptcy, prior foreclosure, or behind on payments?  Don't let that stop you.  Our Proprietary Credit Restoration System can help you find ways to raise your credit scores.  Call your LoansA2z Team at 888-889-9950 to get started or click the link below.

Free Consultation
 
 

Refinance

We can help you lock in a long term fixed rate. More and more folks like you are opting for shorter 15 & 20 year terms.  Cash out for almost any purpose or no cash out, It's really your call. 

 

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Purchase

Purchasing a home is probably one of the biggest investments you'll ever make.  Making sure you have the right financing is just as important, and just a click away. We are here to help you.


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FHA loans

There are lots of good reasons to choose an FHA loan.  We also offer Conventional, VA and USDA loans as well. 

 

 


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