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YOUR CREDIT

By Amanda Bowser

Mortgage and Lending with Equity Plus, Inc.

May 27, 2007 02:23 AM

Do you believe most people don't know what is on their credit report? It is very easy to find out. Go to:

https://www.annualcreditreport.com/cra/index.jsp

On this site, you can look at all 3 of your credit reports, free, once a year! You have to pay a small fee to get your actual scores, but the whole idea is to see if there is something on there you don't recognize. Also, you can use that info. to see what you need to work on. Another great site is:

http://www.freecreditreport.com/

On this site, you can pay $12.95 a month and view your credit report whenever you want. This site also gives you a score. You can get on everyday and click on "view my full report" and get an updated report daily. This does not show as a credit pull on your report because it's you, the consumer, looking at it.

*Speaking of which, if you are planning on getting a mortgage in the next year, do not apply for a lot of new credit. Multiple pulls of your credit lowers your score.*

Please contact me if you need any help, Amanda@equityplusinc.com

Amanda

http://www.activerain.com/awesomemortgagebroker

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Steven Shewell

Primary Residential Mortgage, Inc. - Ephrata, PA

The Mortgage Maverick

Too many people pay too little attention to their credit until the moment they want to buy something and then most times it is too late. I counsel all of my clients to stay on top of their credit so that it doesn't come back to bite them in the end.

You can never be too attentive to your credit profile.

May 27, 2007 02:45 AM

Jason Sardi

Auto & Home & Life Insurance throughout North Carolina - Charlotte, NC

Your Agent for Life

Awareness is key and Education is the stimulus for that. We, as professionals in the industry, have the duty to explain the in's and out's of credit and the rewards/repercussions of it honestly and to the best of our ability. I also feel our educational system from high school on forward needs to step up to the plate.

May 27, 2007 03:06 AM

Dominick Gaccino

Dominick gaccino - Peekskill, NY

People should run their credit at least twice a year

best way to protect yourself vs any kind of fraud

DOMINICK GACCINO

First Suffolk Mortgage Corp

914-391-2388

www.dgaccinohomeloans.com

May 31, 2007 01:07 PM

Kris Krajecki

Kris Krajecki - FOX VALLEY MORTGAGE - Huntley, IL - Huntley, IL

Mortgage Broker Huntley, IL

It's truely amazing how many people do not know what their credit looks like!

They teach History, Geometry, and Geology in high school.....but not credit?! How often do you use that Trig that you took in high school??? Credit is a necessary part of everyone's every day life! There should be more people around to teach it!!

May 31, 2007 05:19 PM

Amanda Bowser

Equity Plus, Inc. - Smyrna, DE

Mortgage Officer Equity Plus, Inc

I agree Kris! Managing your finances is something EVERYONE will use eventually. There should be mandatory classes on managing finances, saving, credit, etc. in high school, just that step would make a big difference in our economy and bankruptcy filings!

May 31, 2007 10:17 PM

David Lawson - NMLS #252510

Gateway Funding - Yucaipa, CA

Most people I run into have no idea what is on their credit report. That is scary in this day and age.

Dave

Jun 01, 2007 12:05 PM

YOUR CREDIT

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