Thinking of Buying a Home? Check Your Credit Score and Get a FREE Credit Report

Real Estate Agent with eXp Realty - Nest Atlanta Team

Buying a home in Georgia - Review your Credit Reports and ScoresFirst time home buyers in Atlanta Georgia

There are some fantastic interest rates right now, but in order to take advantage of them and get the lowest rate possible, I highly recommend that you take the following steps to ensure that your credit report is accurate and that you understand your credit score at each of the credit reporting bureaus.

Here are a few tips to get started...

First and foremost, start EARLY

1)  Order your credit reports:   By law, Georgia residents are allowed a FREE credit report from each of the three bureaus (Experian, Equifax, Transunion) every 12 months.  You can contact each one directly OR you can visit:

** Please note that the "Annual Credit Report"  website above is the official, government-sanctioned site to help consumers obtain their free credit report and does NOT cost anything or require you to sign up for an annual subscription.

2)  Review ALL THREE of your credit reports to ensure that there are no discrepancies.  If there are errors, usually the credit bureaus can resolve in 30 to 60 days. Ideally, you should have the issues resolved BEFORE applying for a loan.

3)  Get your credit SCORE from at least one of the bureaus (preferably Experian or Equifax) to see where you stand.  Usually you have to pay a small fee to retrieve your score, but according to Clark Howard, Consumer Reporter for Channel 2 Action News & AM750, there are several ways that you can get it for free.

Visit Clark Howard's web site for details on your free Credit Score

After you are armed with your credit score and history, you will know where you stand and can have an informed discussion with a mortage broker or loan officer. 

** Please don't have a loan officer pull your credit UNITL you have checked your credit reports.  Multiple inquiries (from lenders, insurance companies, etc) on your credit can actually lower your credit score.  When you are ready to get pre-approved for a mortgage, the credit bureaus do give you a break when shopping for a mortgage -- usually you can have multiple inquiries during a 3 week period and it won't impact your credit score, but please confirm with your loan officer or mortgage broker.



 Thanks for stopping by our Intown Atlanta Real Estate Blog!

Posted by:  Kerry Lucasse - Atlanta GA Real Estate Agent - Nest Atlanta Team
The Nest Atlanta Real Estate Group is part of Ian Marshall Realty, specializing in Intown Atlanta real estate including Grant Park, Kirkwood, Oakhurst, and East Atlanta neighborhoods.

CALL ANYTIME -  404.432.1844

or start your Atlanta home search today at...

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Kerry Lucasse  ::  eXp Realty ::  Nest Atlanta Real Estate Group

Call anytime @ 404.432.1844

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Stephanie Stringer
First Choice Loan Services NMLS#210764 - San Antonio, TX
Mortgage Loan Originator

Kerry,  Very good post.  Being a mortgage banker for several years, it is even more important now a days to have credit checked so errors can be corrected prior to buying a home.  Great job.

Jul 06, 2010 04:39 AM #1
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