Should you be worried about your credit history for any reason, rest-assured, just about everyone has something in their past credit that is less than perfect. Learning what’s on your report keeps you ahead of the game. Then you can determine what impact that information has on your credit rating, and you can work toward repairing and restoring any damage that may have occurred.

Your mortgage interest rate and terms are heavily determined by credit. Rated like school grades, “A” credit is the best, then down to A-, B, C, etc. Even if you don’t have an “A”, we can show you options for the categories below “A”. Rates can be higher and a higher down payment required, with a lower credit score. However if you determine you’re not satisfied with your options, together we can map out what needs to be done to raise your rating over the next six to 12 months in order to have you qualify for an “A” credit loan.

The three credit bureaus gather monthly information on you from credit card companies, banks, and leasing companies. Each month, your credit holders report on your current balances, minimum payment requirements, and your credit history. Looking for specific information from one of the major credit bureaus? Their contact information is listed below:

Experian Information Service (XPN)

PO Box 2002
Allen, TX 75013

TransUnion (TUC)

PO Box 1000
Chester, PA 79022

Equifax Information Services (EFX)

PO Box 740243
Atlanta, GA 30374

To order a free credit report and analysis, feel free to reach out to us at 708.579.3333 or at