Check your credit report 6 months before buying or refinancing

Real Estate Agent


Plan ahead and save hundreds of thousands on your mortgage by reviewing your credit report at least 6 months before you start looking for property.

You can pull a FREE credit report at and your score will not drop. This offer is available once a year only. If you need to pull your credit twice or more a year, you can purchase a copy at any of the websites,

Do not retrieve a copy a your report through a third party such as mortgage broker or credit agency unless you are sure your score is good to use for applying a loan.

There are a lot of ways to improve your credit score:

-Look for incorrect data of each account and dispute it.

-Make sure your balance is 30%-35% of your credit limit

-Collection, Charge off, bankcrupty, tax lien, late payments, excessive credit inquiries are sometimes fixable.

-Do not recogize your account -- this is probably due to credit theft.


For some cases, I can improve the credit score within 3 days.



Comments (7)

Seth Callen
Farmers Insurance - Lawton, OK
Good post.  Another tool is the opt out options, which allows people to avoid pre-screened offers.  Usually good for about 14 FICO points.
Oct 06, 2007 03:15 PM
Nga Nguyen
Milpitas, CA
That's an excellent point, Seth.
Oct 06, 2007 03:29 PM
KC Coonc
Windermere Real Estate/Whatcom, Inc. - Bellingham, WA
Bellingham Commercial Real Estate
Realistically a lot can happen to your credit in six months. I feel 3 months is more than sufficient time to understand your credit position and work out any incorrectly reported information to generate a clean rescore.
Oct 10, 2007 07:27 AM


Your opinion is true when the credit situation has minor issues or best case scenario. It's better to have  more time on hands to prepare for the worse case scenario which we don't know unless we look at it.

Oct 10, 2007 07:32 AM

Yes, you can opt-out online too. Go to, and Each of these sites should have a link to opt-out. If not, you can write to them include your SSN, name and opt-out.

Oct 10, 2007 09:15 AM
» Bill Burress Nationwide Mortgage Originator
» Bill Burress Nationwide Mortgage Originator - Fort Myers, FL


Excellent advice.  I would even suggest for the worst cases to check their credit a year or two before. Sometimes, it takes that long to straighten things out.  Tradelines need a two year history to count.

Oct 13, 2007 03:05 AM
Glad you enjoy it Bill. I couldn't agree with you more!
Oct 13, 2007 05:33 AM