Im hoping that some careful planning will help me avoid some unnecessary headaches along the way. One lesson I learned when I bought my current apartment is that I should have checked my credit reports before I applied for a mortgage. Ive always had good credit online credit check free Ohio so I didnt online credit check free Ohio bother pulling my reports before I applied for a home loan. But once my mortgage broker started contacting banks, we discovered that my file contained an error and I couldnt move online credit check free Ohio forward until I cleared up the confusion. www.free credit report The good news is that its easy to get a free credit report.
And as Ive learned, doing so is certainly worth the effort. All you have to do is go to AnnualCreditReport.com. If you find some erroneous information, you can contact the credit bureaus and file a dispute. With this home purchase, however, I dont want to simply glance at my credit reports. free credit report and free credit score
I would like to see what the lenders are looking at. In other words, I wish to review my FICO credit score.
Some people would argue that this isnt necessary since lenders are more interested in your behavior (for example, do you pay your bills on time) rather than your number. But I still think it will be helpful since the best interest rates go to the home buyers with the highest scores. Once I confirm that I qualify for the most competitive rates, Ill be able to better budget how much home I can afford to buy and argue with any lender that may try to convince me I should pay more than I have to for a mortgage. free instant credit report You need Javascript enabled to view the video player.
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