It's Time to Request Your FREE Credit Report

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.

Jeff

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!

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.

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

Thanks for sharing!!!

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

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: www.annualcreditreport.com

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

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

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.  

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?

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?)

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.

Gene,

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

Thank you!

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

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.

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

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. 

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

Gene

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.

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."