Mortgage Info for Homes and Small Business Financing

You and Your CREDIT*

Your Credit and How It is Measured


Credit Issues and How they Affect Us.

Select any or all of the discussions below to find out how your credit affects the mortgage decision process:

Getting Your Free Credit Report
Request a free copy of your credit report once each year as mandated by the Fair Credit Reporting Act.

What is a Credit Score?
Credit scoring was developed as a way to consider only what was relevant to somebody’s willingness to repay a loan.

Your FICO Score
Your ability to pay can be reduced to a single number based on a model developed by Fair Isaac and Company.

Mistakes on Your Credit Report
Credit report errors occur for a number of reasons but they can all have a negative impact on your eligibility for and cost of any future credit.

Disputing Errors on Credit Reports
The Fair Credit Reporting Act allows you to ask for an investigation of information in your file that you dispute as inaccurate or incomplete.

Protect Your Credit and Credit Cards
A corporate attorney sent the following tips out to the employees in his company.  Read this and make a copy for your files in case you need to refer to it someday.  Maybe we should all take some of his advice!

Protect Your Personal Privacy
Credit bureaus have found a way to increase their revenues at your expense… and without your permission. They are selling your personal, confidential information to competing creditors… and making millions.  Your privacy is being sold, not just once, but over and over again.
You can stop it!

 

Tips, Tricks and Mortgage MoJo
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