Understanding Your Credit
Do you know what is in your credit report?
In today's world, you can't live without credit. It's a powerful tool - and it may just completely replace cash in the future. But as with all power tools, credit can be extremely dangerous in the hands of those who do not appreciate or understand it's power.
How to establish a good credit history?
You can make credit work to your advantage. First of all, don't assume that you have a great credit history because of the continuous offers for revolving credit you receive in the mail. Follow a few easy steps to make sure you have the credit when you need it for a mortgage or a personal loan.
Can I see what is in my credit report?
The officical site to help consumers obtain their free credit report is AnnualCreditReport.com. This central site allows you to request a free credit file disclosure, commonly called a credit report, once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian, and TransUnion.
Who can help me read my credit report?
Once you have your credit report in hand, you may need some help to decipher what it reveals. Please feel free to contact one of our mortgage officers, to set up a completely free credit analysis!