As you know, approval letters are the first thing a buyer should be intent on getting. If you haven't spoken with a lender, how do you know how much house you can afford? And the first thing that lender will be concerned with is your credit score. Read below to make the home-buying road a little less bumpy!
Via
Debe Maxwell:
What's YOUR Credit Score?
What's YOUR
Credit Score?
Do
you KNOW the importance of having an accurate report and a good credit
score but, don't have any idea what your credit score is, nor what
is on your
report?
If
you're a buyer, sitting on the fence and afraid to make that
jump
into the homebuying process, why not check your own credit? A good credit
report and high credit score gives you the power to negotiate a better
interest rate on your loan.
Even those in search of a job or a lease have their credit report
pulled--why not be aware of what is on the report so that you can be
certain that there are no errors on the report;? This way,
when
you do apply for a job, lease or a new mortgage, your credit report
will be in shape-- you'll KNOW what is on it and you'll know your score!
A
quick and easy way to check your report without any 'dings,' get the
results from all three credit bureaus and ascertain that your reports
are accurate and in order is by visiting www.FreeCreditReport.com
or www.FreeCreditReportsInstantly.com. You
will be instructed to enroll in a program that provides ready access to
your detailed information. The website is secure and a
confirmation with your log in info will be emailed to you which allows
you access to your reports and scores. You'll receive a free
7-day trial and you can chose not to continue with a monthly membership
or sign up for a longer term. This takes
mere minutes to complete!
With
either of these systems, you will receive:
*
Credit reports and scores from all 3 credit bureaus
(TransUnion, Equifax and Experian)
*
Credit monitoring and alerts
*
Instant reports and info at your fingertips 24/7
*
Secure site for delivery of your personal information
Be sure to
keep a regular check on your report to avoid becoming a victim of
identity theft.
Presently, it is more critical than ever before to be able to
quickly diagnose suspicious activity and to ensure accuracy of your
report. If there is new activity on your report, the site
will
notify you via email instantaneously as well.
Take charge of
your financial future and keep track of your credit report status.
Ask your agent for lender recommendation--now, your equipped
and
YOU have the power to negotiate a great rate for your mortgage!
About
the author:
Debe
Maxwell is a Charlotte
Residential Real Estate
Broker, Certified Neighborhoor & Relocation Specialist, ABR
&
e-PRO who can assist you with the purchase and/or sale of real estate
in the Charlotte NC
Metro Area.
If you're relocating to or from any other area of the
country,
Debe connects you with any member of her team of relocation
professionals in your destination or exit city of choice. The
destination service is of no cost to you! The
Maxwell House Group's
quality service guarantee puts this team far ahead of the competition;
providing unsurpassed customer service is their #1 priority!
Debe
Maxwell -- Helen Adams Realty -- 704.491.3310
Copyright©
2008 By Debe Maxwell, All Rights Reserved...**What's YOUR Credit Score?**
Disclaimer: All
information
provided by this author is strictly an opinion, is not guaranteed, may
be based on information collected from several sources, which may or
may not be deemed reliable at the time of researching this article and
may be time sensitive.
Let's
go shopping for Charlotte
NC homes for sale!
;)
;)
