Not knowing what your credit report says about your finances may cost you more when trying to obtain a mortgage. Even those who pay everything on time might have an unaddressed credit issue that is hurting their credit! It is possible for incorrect information to be reported on your credit report, and it is important to identify any issues and correct them before you apply for a mortgage.
What does your credit say about you?
What makes up your credit report?
Your credit score is a numerical representation of your trustworthiness in paying back debt. Each bureau will present you with a credit score based on the data they have.
What is reported?
A few of the items reported on your credit may include:
- Credit Cards
- Department store cards
- Gas cards
- Bank cards
- Airline cards
- Installment Loans
- Mortgage loans
- Auto loans
- Student loans
- Â Utilities
- Rent (sometimes)
- Collections or judgements
- Bankruptcies
What does your credit history look like?
Credit history is a record of the health of each reporting credit line. Your credit score is created from the list below.
Meet Our Team
Providing a next level financing foundation:
- Having over 100 partner relationships with the top lenders in the country means we are able to shop for the most competitive rates for you- saving you time and money!
- Our significant experience in the industry coupled with our hands-on experience as real estate investors and owners leverage the ability to provide more informed advice for helping to reach personal real estate goals.
- With streamlined systems and personnel, we are able to provide a FAST loan process while also saving our clients thousands of dollars in lender junk fees!
