Investigate Yourself Do your own background check.
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.
Getting It 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:
To obtain a copy of your credit report, you must provide the following in writing:
Free Credit Reports
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
Now 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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