Check Your Credit Rating
The first step is to check your credit rating. It is amazing how many people do not know how banks or credit card companies rate them. You need to see your credit report before anyone else, so that you can correct disputes or improve your credit rating before you purchase a home.
A credit report will detail credit cards and loans opened in your
name, companies accessing your credit file, delinquent payments and more.
You will be able to
- see the report lenders use most to qualify you for credit
- plan for major purchases - car, home, education
- find out who has accessed your credit report
For the small fee of $15.50, Equifax will give you your credit report on-line.
This way, there will be "no surprises." Are there mistakes in your credit report? Have you been denied credit and don't know why? Is someone trying to steal your identity? A check of your credit report will probably answer all those questions.
Click for Transunion instructions on how to have your credit report mailed.
Once you have your credit report, contact us to start the process of home ownership!