It's Time to Request Your FREE Credit Report

Mortgage and Lending with NMLS #216987, IL Lic. 031.0006220, WI Licensed. APMC NMLS #175656 IL Lic 031.0006220/WI


It's Time to Request Your FREE Credit Report


Credit advice is everywhere ... 

The internet, social media, news outlets, financial and lending institutions, and more provide a never-ending supply of it.

So by now, you've probably seen and heard that your Credit Score is important ... and that you should check your Credit Report on a consistent and timely basis.  


But where do you start?  

There are 2 simple ways to achieve this important task:

1:  You can talk to your Lender.  

     This is most commonly done when applying for a mortgage (or loan of some kind), but it can be accomplished at any time.  (It must be pointed out that should you not be applying for a loan anytime soon, there may be a small charge for running a Credit Report in this manner.  This charge will be incurred at the discretion of your Lender.)

Or ...

2:  You can order your Credit Report via one of the 3 consumer credit bureaus ...  Experian,  TransUnion, Equifax).  

     It's a fact:  Each credit bureau is required to provide you aFREE copy of your Credit Report once every 12 months.  (By staggering your requests throughout the year, you best monitor changes or errors that might occur.)

     This is easy to do.  Just go to:

     You'll be asked to provide the following info:
  • Your Name
  • Your Address
  • Your Date of Birth
  • Your Social Security Number 
Please Note:  You may also be required to provide a previous address if you have moved during the past two (2) years.  

Security is in place on this site, so it may be necessary for you to establish a "secret" question or answer that no one else knows in order to complete your Credit Report request.
By doing all the above, you should easily and quickly accomplish your mission.  See?  Not so bad ...
And Remember:  Should you have questions regarding your Credit Report request, about your credit, or financing options to buy in Chicagoland, Illinois, or Wisconsin ... please reach out to me.  I'll be glad to hear from you, answer your questions, or assist in any way I can.


* Hoping to Buy or Refinance a Home in New Lenox, Will County, or elsewhere in the Chicagoland area? Contact me! I'll put my 40+ years of Mortgage experience and expertise hard to work on your behalf. 
I'm easily found at:

Gene Mundt
Mortgage Originator - nmls #216987 - IL Lic. 031.0006220 - WI Licensed
American Portfolio Mortgage Corp.
nmls #175656
Direct: 815.524.2280
Cell or Text: 708.921.6331
eFax: 815.524.2281
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Gene's Chicagoland Blog/Gene Mundt, Mortgage Lender   





Gene Mundt

 Mortgage Originator  -  NMLS #216987    

                                 IL Lic. #031.0006220  -  WI License #216987                                                                                                    

NMLS #175656


Gene Mundt, Mortgage Originator,  40+ years of #mortgage experience, will offer you exemplary mortgage service and advice when seeking:  #Conventional, #FHA, #VA, #Jumbo, #USDA, and Portfolio Loans in #Chicago and the greater Chicagoland region, including:  The #Lincoln-Way Area, #Will County, (#New Lenox, #Frankfort, #Mokena, #Manhattan, #Joliet, #Shorewood, #Crest Hill, #Plainfield, #Bolingbrook, #Romeoville, #Naperville, #Wilmington, #Peotone, etc.), #DuPage County, the City of Chicago, #Cook County, and elsewhere within IL and Wisconsin. 


Your Referrals & Testimonials are Always Greatly Appreciated! 




Re-Blogged 2 times:

Re-Blogged By Re-Blogged At
  1. Gloria Todor 02/08/2017 10:11 AM
  2. Gabe Sanders 02/22/2017 11:50 PM
Lending / Financial
Illinois Will County New Lenox
1st Time Buyers
free credit reports
credit reports
credit advice
credit bureaus
requesting credit reports

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Jeff Dowler, CRS
Solutions Real Estate - Carlsbad, CA
The Southern California Relocation Dude

Hi Gene

Great information for consumers to keep tabs on their credit scores. Seems to me I've heard that other sites that purport to provide you with your credit score are not giving you accurate information.


Feb 07, 2017 03:47 PM #1
Dorie Dillard CRS GRI ABR
Coldwell Banker United Realtors® ~ 512.750.6899 - Austin, TX
Serving Buyers & Sellers in NW Austin Real Estate

Good evening Gene Mundt, IL/WI Mortgage Originator - FHA/VA/Conv/Jumbo/Portfolio/Refi ,

As always you provide the most up to date information so relevant to buyers! Congratulations on the featured post!! Definitely well deserved!

Feb 07, 2017 04:23 PM #2
Debe Maxwell, CRS | The Maxwell House Group | RE/MAX Executive | (704) 491-3310 - Charlotte, NC
Charlotte Homes for Sale - Charlotte Neighborhoods

Good reminder Gene. It's always a good idea to check your free credit report at least once a year to make sure there aren't any errors. The last thing you want to do is find out there are problems just before purchasing a home.

Feb 07, 2017 04:44 PM #3
Myrl Jeffcoat
GreatWest Realty - Sacramento, CA
Greater Sacramento Real Estate Agent

Great tips on requesting a free credit report, Gene!  Especially important for those who are getting ready to purchase a home.

Feb 07, 2017 05:25 PM #4
Sham Reddy CRS
H E R Realty, Dayton, OH - Dayton, OH

Thanks for sharing!!!

 You can order your Credit Report via one of the 3 consumer credit bureaus ...  Experian,  TransUnionEquifax).

Each credit bureau is required to provide you aFREE copy of your Credit Report once every 12 months.  (By staggering your requests throughout the year, you best monitor changes or errors that might occur.)
 This is easy to do.  Just go to:

Feb 08, 2017 04:15 AM #5
Nick Vandekar, 610-203-4543
Long & Foster Real Estate Inc 610-225-7400 - Devon, PA
Tredyffrin Easttown Realtor, Philly Main Line

A good reminder, like changing your smoke alarm batteries something we should all do regularly.

Feb 08, 2017 06:51 AM #6
Ron Aguilar
Continental Mortgage - Saint George, UT
Mortgage & Real Estate Advisor since 1995

Today, looking at your credit report early is being proactive rather than reactive. 

Feb 08, 2017 08:13 AM #7
Kathleen Daniels
KD Realty - 408.972.1822 - San Jose, CA
San Jose Homes for Sale-Probate & Trust Specialist

Gene,  I have the free credit report service through one of my credit card companies.  I find it interesting that the scores are much lower there than when I full credit report is pulled for a refinance or auto purchase.  

Feb 08, 2017 08:49 AM #8
Richie Alan Naggar
people first...then business Ran Right Realty - Riverside, CA
agent & author

Yes to this posting and the hosting too. How about going over that report with someone that can tell you what it can do in the Real Estate market place as well?

Feb 08, 2017 09:05 AM #9
Jim Paulson
Progressive Realty (Boise Idaho) - Boise, ID

I had recently done this for myself and was surprised that it showed everything but an actual credit score.  That could be added for a "nominal fee".

I have had a lot of clients using Credit Kharma but that also doesn't equate to a tri-merge score.

My quick test is:  Tell me about your credit card applications you see in the mail.  (do they get any, are they from companies that target low credit score clients, or it is for an American Express or some Platinum Card?)

Feb 08, 2017 11:21 AM #10
Amanda S. Davidson
Amanda Davidson Real Estate Group Brokered By eXp Realty - Alexandria, VA
Alexandria Virginia Homes For Sale

Gene, this is an excellent reminder. I talk with so many buyers who have no idea what their score is. It's worse when they use a free service provided by their credit card and then are taken back when a lender shares their scores from a full report, always seem to be lower from the full report.

Feb 08, 2017 11:42 AM #11
Patricia Feager, MBA, CRS, GRI,MRP
Selling Homes Changing Lives


I took your advice and ran a report. It was perfect and very good to know!

Thank you!

Feb 08, 2017 02:32 PM #12
Nathan Gesner
American West Realty and Management - Cody, WY
Broker / Property Manager

This is a good article explaining how consumers can review and monitor their credit. Thanks for sharing!

Feb 08, 2017 08:02 PM #13
Praful Thakkar
LAER Realty Partners - Andover, MA
Andover, MA: Andover Luxury Homes For Sale

Thanks a lot, Gene Mundt, IL/WI Mortgage Originator - FHA/VA/Conv/Jumbo/Portfolio/Refi - this is so much needed in this era where credit report is almost everything!

One better stays on top of it.

Feb 08, 2017 11:16 PM #14
Lawrence "Larry" & Sheila Agranoff. Cell: 631-805-4400
The Top Team @ Charles Rutenberg Realty 255 Executive Dr, Plainview NY 11803 - Plainview, NY
Long Island Home and Condo Specialists

Gene, Good idea to stagger these reports. Great reminder for all!

Feb 09, 2017 04:31 AM #15
Joe Pryor
The Virtual Real Estate Team - Oklahoma City, OK
REALTOR® - Oklahoma Investment Properties

I get a monthly update on Discover Card and AMEX. In my opinion, trying to make sense of how you report fluctuates is something only a true professional should answer. 

Feb 09, 2017 06:17 AM #16
David A. Weaver
Peoples Bank & Trust Co. - Scottsdale, AZ
24 years helping folks finance their dreams.

Gene, good reminder for all, even us old dogs need a prod every once in a while.  Thanks again.

Feb 09, 2017 08:31 AM #17
Wayne L. Brown
Franklin Advantage Inc. - Alpine, CA


Great advice as always.  Anyone considering buying, or even selling for that matter, should always get their "Ducks in a Row".

Nothing worse than a last minute surprise.

Thanks for the post.

Feb 09, 2017 10:56 AM #18
Nina Hollander
Coldwell Banker Residential Brokerage - Charlotte, NC
Your Charlotte/Ballantyne/Waxhaw/Fort Mill Realtor

Great post and reminder, Gene. There's just so much confusion out there about the whole subject of credit... and in today's parlance, a lot of "fake news."

Feb 23, 2017 05:51 AM #19
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Gene Mundt, IL/WI Mortgage Originator - FHA/VA/Conv/Jumbo/Portfolio/Refi

708.921.6331 - 40+ yrs experience
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