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For a Buyer, Having a Credit Report is Critical - Know Your Score Before You Speak to A Lender
Credit reports are a "history" of how a person pays their bills. Credit grantors use them to make lending decisions. Mortgage lenders, banks and mortgage brokers use them to determine your credit worthiness for a mortgage. Obtaining your credit report is critical for the purchase of a new home. Creditors determine your interest rate from your credit. There are three agencies which will provide you with a free credit report. The agencies are:
Equifax PO Box 105873Altanta, GA 30348
Experian 800 N. Magnolia Avenue#200 Orlando, FL 328031-800-749-7579Trans Union PO Box 3307Tampa, FL 336011-800-226-6214I have a sample letter which is very effectively written for you to obtain your credit report. If you would like the letter e-mailed to you, please click here
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