Worried About Credit?
Are you worried about your credit history? Just about
everyone has something in their past credit that is less than perfect.
The most important thing is to learn what is on your report, determine
what impact that information has on your credit rating, and work on
repairing and restoring any damage that may have been done.
Mortgage loan options are rated by credit, labeled like school grades
- "A" credit is the best, then down to A-, B, C, etc. Even
if you do not have an A credit rating, we can let you know what your
options are if you fall into an A- or lower category. The rates are
generally going to be higher, and may require a down payment. If you
determine that you are not satisfied with this type of financing, then
together we can map out what you need to do with your credit and finances
for the next six to twelve months in order to qualify for an A credit
loan.
There are three main credit bureaus that most creditors (such as credit
card companies, banks, leasing companies, etc) provide information
to on a monthly basis. Each month, your credit holders report information
to the credit bureaus about your current balance, minimum payment requirements,
and credit history. If you need specific information from one of the
major credit bureaus, following is the contact information for each
of them:
Experian Information Service (XPN)
PO Box 2002
Allen, TX 75013
(888) 397-3742
TransUnion (TUC)
PO Box 1000
Chester, PA 79022
(800) 916-8800
Equifax Information Services (EFX)
PO Box 740243
Atlanta, GA 30374
(800) 685-1111
To order a free credit report and analysis, please call us at 866-304-7755;
or Click here to e-mail
your request.
