“There is Nothing Worse than Little Knowledge”

     “There is Nothing Worse than Little Knowledge”

Good morning Joe,

So I checked our credit scores last night and they changed a little since last month. I guess because we had to use our cards more due to unexpected expenses this past month but that's all getting paid back tomorrow so hopefully that will help it go back up a little more but we are both listed as fair at the moment. Attached is a copy for you to review. Hope you are having a great morning! Greg

This client did not feel comfortable having me pull a credit report as he had just received a report a couple days earlier, so I asked them to send me a copy of what they had. Unfortunately there are a number of collection accounts and only one good credit item between two people and no credit scores, which I need.

It becomes a challenge when reviewing credit that an individual obtained on their own because all credit reports are not created equal. Many companies that obtain information don’t get all the necessary information that I will need. Collection accounts can be left out, judgements can be left out, as well as public record items. Without all the information I can’t give someone a true picture of what they will need to do to allow them to be mortgage-able.

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