Get Your Credit Report for FREE Including Your Credit Score

By
Real Estate Broker/Owner with The Jordon Wheeler Group GA License# 264359

Credit Karma websiteThat's right metro Atlanta Buyers!  There is a website that gives you your credit report for FREE and it includes your credit score.  

The website is Credit Karma, and it provides users with their credit report and credit score for FREE!  The website appears to be sponsored by Transunion and offers scores from Equifax and Experian for a fee.

There are lots of widgets for metro Atlanta Buyers to plan how to improve their credit score.  The widgets look at factors like paying down your credit card balances, closing a credit account, making minimum monthly payments, opening a new credit card account and other significant factors.  There are also widgets that tell a user what happens if a foreclosure or lien hits their credit report - YIKES!!!

This report is a really great way for metro Atlanta Buyers to start the process of planning for a home purchase.  And it looks good to a lender when the metro Atlanta Buyer has proactively pulled their credit and has a plan to improve their score as needed to qualify for a mortgage.

Generally speaking lenders look for a minimum credit score of 620 to 640 or better.  Most of the programs in Georgia that provide assistance with down payment and closing costs to metro Atlanta Buyers require a minimum 620 or better credit score.  

So metro Atlanta Buyers invest some of your valuable time to know where you stand with your credit.  You will be so relieved in the future.  It may take a few months or a few years to get your score in the acceptable range for loan approval, but the wait will be worth the effort.

For more information about buying or selling your home in metro Atlanta, please call J W Group at 404 418 8092 or 404 246 3210.  One of our experienced Real Estate Consultants will be happy to assist you and recommend a mortgage loan officer to you.

 

 

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Comments (11)

Sondra Meyer:
KW Coastal Bend - Corpus Christi, TX
See It. Experience It. Live It.

Jordon, you do an amazing job of sharing really useful information for potential buyers and real estate agents!  We all need to be paying close attention to our credit score.  Thanks for sharing the tips. 

Jan 17, 2013 01:52 PM
Jordon Wheeler
The Jordon Wheeler Group - Fairburn, GA
J W Group Real Estate Sales and Service

Hi Sondra,

Our buyers are best served when they know this stuff in preparation for purchasing.  Thank you for the compliment and best of success to you this year!

Jan 17, 2013 01:58 PM
Charles Stallions Property Manager
Charles Stallions Real Estate Services - Pace, FL
Pensacola, Pace & Gulf Breeze Property Management

I am going to check and see if they do that for Pensacola as well thanks for sharing

Jan 18, 2013 09:24 AM
Bob Crane
Woodland Management Service / Woodland Real Estate, EXP - Stevens Point, WI
Forestland Experts! 715-204-9671

Thanks Jordon, great to know where to find this information, and free makes it that much better.

Jan 18, 2013 02:04 PM
Jordon Wheeler
The Jordon Wheeler Group - Fairburn, GA
J W Group Real Estate Sales and Service

Hi Charles, I believe they are nationwide.  Thanks and have a great week!

Bob, you are welcome.  Good way to help buyers get started.  Have a great weekend!

Jan 19, 2013 01:17 AM
Pete Xavier
Investments to Luxury - Pacific Palisades, CA
Outstanding Agent Referrals-Nationwide
Jordon, Thanks for pointing out this great service. This will help many.
Jan 20, 2013 01:40 PM
Wallace S. Gibson, CPM
Gibson Management Group, Ltd. - Charlottesville, VA
LandlordWhisperer

Unfortunately, many DIY landlords are accepting these reports instead of taking the time or energy to run a VALID, RETAIL credit report which has the best information on which to base a credit decision

Jan 20, 2013 07:12 PM
Jordon Wheeler
The Jordon Wheeler Group - Fairburn, GA
J W Group Real Estate Sales and Service

Hey Pete, it has been very helpful to many.  Best of continued success to you this year!

Hi Wallace, one of lenders recommended this site to me, and I have to say the credit scores have been pretty 'spot on' for the buyers looking to start the process.  The site is recommended by a national consumer reporter.  And I do believe the data is coming directly from Transunion.  Best of continued success to you this year!

Jan 21, 2013 01:43 AM
Joy Daniels
Joy Daniels Real Estate Group, Ltd. - Harrisburg, PA
Good to know. I will check to see they can work with Harrisburg, PA. Thanks for Sharing, credit scores are so important to anyone who wants to purchase a new home.
Jan 27, 2013 09:27 AM
Jordon Wheeler
The Jordon Wheeler Group - Fairburn, GA
J W Group Real Estate Sales and Service

Hi Joy, thanks for stopping by.  It's a great tool for agents and lenders to have to start the process with buyers.  Best of continued success to you this year!

Jan 28, 2013 04:34 AM
Bob Crane
Woodland Management Service / Woodland Real Estate, EXP - Stevens Point, WI
Forestland Experts! 715-204-9671

Thanks for the reminder Jordon, I have been planning to check this site out.

Have a fantastic week!

Feb 09, 2014 01:32 PM