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- 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.
- The Fair Credit Reporting Act (FCRA) outlines specifically who can see your credit profile.
- 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 Reporting Agencies
- Address, phone and web site information.
Credit Scoring and How it Works
- Also known as FICO scoring is a statistical method of assessing the credit risk of a loan applicant.
Establish a Credit History
- What to do to increase your chances of being approved for a mortgage.
Fixing Credit Report Errors
- You have the right, under the Fair Credit Reporting Act, to dispute the completeness and accuracy of information in your credit file.
Improve Your Bad Credit
- If you had a problem that's been corrected, and your payments have been on time for a year or more, your credit may be considered satisfactory.
Other Credit Factors
- Mortgage companies look at other information besides your credit score and credit profile before deciding whether to approve your mortgage.
Preventing Identity Theft
- Many of us know the fear and frustration of having our wallet or credit cards stolen, but even worse is having your identity stolen.
Steps After Being Denied a 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.
Your Credit Report
- Understand how a mortgage company views your credit information.
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