Understanding your credit
What does your credit report say about you?
What does your credit say about you?
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.
Credit Report
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.
MEET GREG DOWNS
Experience You Can Talk To.
Greg Downs has more than 25 years of experience in mortgage lending. He grew up around real estate — his mother was a Realtor and his father was a builder — before beginning his lending career in Atlanta and moving to South Florida in 1996.
Greg believes every client brings a different set of goals and circumstances. Through Greg Downs PML, he brings that personal approach to conversations about business-purpose financing for real estate investors.
Greg Downs Loan Consultant NMLS #1040447
Connect with Greg Downs
MORTGAGE TOOLS
Your Mortgage Options, Made Clear.
YOUR NEXT MOVE STARTS HERE
Let’s find your path home.
Buying, refinancing, or exploring your options? Connect with Greg Downs at New American Funding for personal guidance and home loan options that fit your goals.
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