Not knowing what your credit report says about your finances may cost you more when trying to obtain a mortgage. Even those who pay everything on time might have an unaddressed credit issue that is hurting their credit! It is possible for incorrect information to be reported on your credit report, and it is important to identify any issues and correct them before you apply for a mortgage.
What does your credit say about you?
What makes up your credit report?
Your credit score is a numerical representation of your trustworthiness in paying back debt. Each bureau will present you with a credit score based on the data they have.
What is reported?
A few of the items reported on your credit may include:
- Credit Cards
- Department store cards
- Gas cards
- Bank cards
- Airline cards
- Installment Loans
- Mortgage loans
- Auto loans
- Student loans
- Utilities
- Rent (sometimes)
- Collections or judgements
- Bankruptcies
What does your credit history look like?
Credit history is a record of the health of each reporting credit line. Your credit score is created from the list below.
David Putt
Founder | Loan Officer // NMLS #245299
Access Lending Solutions Inc. is a residential mortgage brokerage serving California and Tennessee. Founded in 2007, the vision for ALS Inc. has been to connect borrowers with mortgages at the lowest costs possible, win with volume, and serve as many home-owners as we can. With the benefit of tech, staying informed and saving money has never been easier.
Here’s what you can expect when you partner with us:
- 24/7 Pricing – Get instant loan pricing at any time of the day; no appointment needed.
- Rate Monitoring – Stay ahead of the game with our powerful Rate Monitoring tool.
- Competitive Pricing – We pride ourselves on offering competitive rates. See for yourself; we are priced to win.
- Unmatched Service – Mortgage is not just our profession; it’s a platform for us to serve you. We’re dedicated to earning your trust, one client at a time.
If you’re ready to experience a mortgage service that puts you at the center, visit us at www.ALS-Mtg.com. Licensed to work in: California (01827612), Tennessee (245688)
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