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All Credit Articles | Back to Previous Page
How to Improve Your Credit |
Credit Grades |
Credit Scoring: How it Works |
Credit Reporting Agencies |
How to Correct Errors |
Credit Profiles |
Credit Report Inquiries |
Steps to Take After Being Denied a Mortgage Loan |
Credit Scoring – What Your Score Means |
Other Credit Factors |
Fair Credit Reporting Act
Credit Articles
- How to Improve Your Credit
If you have had credit problems, be prepared to discuss them honestly with a mortgage professional. Responsible mortgage professionals know there can be legitimate reasons for credit problems, such as unemployment, illness or other financial difficulties.
- Credit Grades
Mortgage companies often grade your loan based on certain credit-related items such as payment history, amount of debt payments, bankruptcies, equity position, and your credit score.
- Credit Scoring: How it Works
Credit scoring is a statistical method that lenders use to quickly and objectively assess the credit risk of a loan applicant. The score is a number that rates the likelihood you will pay back a loan.
- Credit Reporting Agencies
Credit Reporting Agencies collect information about you and your credit history from public records, your creditors and other reliable sources.
- How to Correct Errors
You have the right, under the Fair Credit Reporting Act, to dispute the completeness and accuracy of information in your credit file.
- Credit Profiles
Your credit profile details your credit history as it has been reported to the credit reporting agencies by lenders who have extended credit to you.
- Credit Report Inquiries
The Fair Credit Reporting Act (FCRA) outlines specifically who can see your credit profile. Businesses must have a "legitimate business need," and a "permissible purpose," as stated in the federal law to obtain your credit file.
- Steps to Take After Being Denied a Mortgage Loan
It's never fun to be turned down for a loan, but before you think you won't be able to get credit anywhere, there are some steps you can take.
- Credit Scoring – What Your Score Means
Credit scoring places you in one of three general categories.
- Other Credit Factors
Mortgage companies look at other information besides your credit score and credit profile before deciding whether to approve your mortgage.
- Fair Credit Reporting Act
All Credit Articles | Back to Previous Page
How to Improve Your Credit |
Credit Grades |
Credit Scoring: How it Works |
Credit Reporting Agencies |
How to Correct Errors |
Credit Profiles |
Credit Report Inquiries |
Steps to Take After Being Denied a Mortgage Loan |
Credit Scoring – What Your Score Means |
Other Credit Factors |
Fair Credit Reporting Act
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