Accessing Your Credit Report 

The information disclosed in a credit report impacts a borrower’s ability to qualify for a mortgage loan.  Credit quality also impacts the mortgage interest rate a borrower can obtain.  Therefore, it can be a good idea to obtain a free copy of a credit report prior to completing an application for a mortgage.  Reviewing your personal credit history provides an opportunity to correct credit inaccuracies and derogatory items.

The Fair Credit Reporting Act (FCRA) requires each credit reporting agency to provide a free copy of a credit report once per year from www.annualcreditreport.com.  This central site provides a free credit report from each of the nationwide consumer credit reporting agencies: Equifax www.equifax.com, Experian www.experian.com and Trans Union www.transunion.com.

The three national credit agencies are independent, so the information found in each bureau’s report may differ.  It is important to check the information in all three agencies’ reports to 

ensure that each one contains correct information regarding your credit.

Free Credit Repair Service

If you discover an unsatisfactory credit score, one of our mortgage experts can discuss available options for improving your credit history.  We offer free credit repair services that often will grant access to the best mortgage rate possible.  We provide a dispute and repair process at no cost to our mortgage clients.

 If you have any questions regarding information on your credit report or need advice on credit repair, give one of our experienced originators a call for a free credit consultation.

 (303) 716 - 3238
www.equilane.com