Credit Score Reports

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As one of the three pillars of your mortgage application, it is essential to know your credit situation if you plan on buying a home. Anybody can benefit from taking a look at their credit report and seeing what can be improved. I'll let you know how you can get a credit score report from the same credit agencies which most home lenders pull credit from. For more information on why getting a credit report from the right company is important, check out my post Which Credit Report is Used when Applying for a Mortgage.
It's important to read the details in my line of work, and the details are often where the buried treasure lies. At the very end of a credit report, the Consumer Financial Protection Bureau tells us how anybody can get free credit report each year. It’s one of those, can’t get a free credit report because I don’t know how, because I can’t get a free credit report…
Here it is:
In text:



“Under Federal Law you have the right to obtain a free copy of your credit report from each of the nationwide consumer reporting agencies one a year (every 12 months).
To order your free annual credit report –
By telephone – call toll-free 1-877-322-8228
On the web – visit www.annualcreditreport.com” - After following the link, click on the Request Yours Now! button just above the graphic in the middle.
By mail - mail your completed annual credit report request form, which you can obtain here: https://www.annualcreditreport.com/manualRequestForm.action
Mail to: Annual Credit Report Request Service
P.O. Box P.O. Box 105281
Atlanta, GA 30348-5281
-Your credit report will be mailed to you within 15 days.
Pro tip: You do not need to order your credit report from each credit reporting company at the same time, but rather decide to request the three credit reports at different times through the year. There are three main credit bureaus used when applying for a mortgage, so use each throughout the year to see if what you have been doing is improving your credit.

This is digital gold. A free credit report from each of the agencies, this is a first step in preparing yourself for your next mortgage. Why? Why Credit Could be Considered the Most Valuable Factor of Your Mortgage Application

Maverick Johnston 
509-230-0768
NMLS ID #166896
Location: Spokane, WA, USA

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