The information in your credit report has a huge impact on whether or not you qualify for a home 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 home loan and interest rate you deserve.

 With today's technology there are several ways to obtain your credit report. The easiest way to check your credit is through us. We can pull your credit for you, and evaluate it in the same day. When you obtain your credit through us we will forward you a copy of the report the same day. Your credit report will contain all three bureaus and will include your scores. Your credit score is very important when applying for a home mortgage. Your credit score and credit history have a direct impact on your interest rate and mortgage payment.

You also have the option of obtaining your credit report yourself by contacting the three national credit reporting agencies – Equifax www.equifax.com,
Experian www.experian.com and TransUnion www.transunion.com. The important thing to remember when obtaining your credit from these agencies is, it must contain your credit score.

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. In addition, you're entitled to a free copy of your report each year when you certify in writing that (1) you're unemployed and looking for a job within 60 days, (2) you're currently on welfare, or (3) your report contains errors due to fraud. Otherwise, the agencies charge a fee for a copy of your report.

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.

Free Credit Reports? Credit, Yes. Credit Scores, No.
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, from www.annualcreditreport.com.  Just remember, there is a fee associated with obtaining your credit score, which we will need to approve you.

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.