Select A Department:

Courses in this Department

How Ready Are You to Buy a Home?

Determining Your Dream Home and Finding It!

Factory Built Homes Are Worth a Look

Purchase Manufactured Homes with FHA Loan

How to Buy a Foreclosed Home

Pros and Cons of Corner Lots

Know the Neighborhood Before You Buy

Tune in to an Open House on the Radio

Finding a Qualified Broker or Agent

Shopping for a Loan and Choosing a Lender

How to Improve Your Credit

How to Survive the Loan Application Process

Making an Offer and Signing Contracts

Cancel Your Contract in 3 Days

Understanding the Closing/Settlement Process

Choosing Home Inspection and Settlement Professionals

Double Check Your New Home - The Walkthrough

Know Your Consumer Rights

Seniors Have Many Housing Opportunities

Preparing for the Big Day -- Relocating Moving

Make Your Home Your Castle - Cost Effective Redecorating Ideas


Get Your Credit Report

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:

  • Full name, including any previous names

  • Current address

  • Previous address (if needed for five-year credit history)

  • Social Security number

  • Date of birth

  • Signature

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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