Investigate Yourself Do your own background
You have to stay one step ahead of any lender if you want to
get the best loan.
What's the first thing any lender will do with your
mortgage loan application? Run a credit report on you.
What's the best
way to avoid finding out bad news the hard way? Request your own credit report BEFORE putting in your loan application!
Make the Goof-Ups Fix Their
Goofs Before it's too late.
The second reason to obtain your credit
report is to correct any mistakes. Through no fault of their own, one out of every
four consumers has mistakes on their credit reports.
How to Request a Copy
You can get a copy of your credit report from
each of the three major credit reporting agencies. Each agency charges a service
fee that varies from company to company. Here are a few you can try:
obtain a copy of your credit report, you must provide the following in writing:
If you have recently been denied a loan or credit because
of negative information in your credit report, ask which agency provided your
credit history. Contact them immediately. That agency must provide you their report
within 60 days at NO CHARGE.
You're Hot on the Trail
that you've got your credit report, you can put the microscope on your finances
before someone else does. But WAIT! First make sure the information is correct!
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