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Understanding Your Credit

Many people have never seen their Credit Report! Not knowing what your credit report says about your finances may cost you more when trying to obtain a mortgage. Even those who pay everything on time might have an unaddressed credit issue that is hurting their credit! It is very common for incorrect information to be reported on your Credit Report and it is important to identify any issues and correct them before you apply for a mortgage.

Many of you have seen  “Free Services” advertised on T.V., The Internet, and through the Radio.  When you see an offer for a “Free Credit Report”, it’s typically not free and generally gives you a little information to get you to sign up for their services!

However, under federal law, you have the right to obtain a free and secure Credit Report at The top three credit reporting agencies, Equifax, Experian, and TransUnion are required by law to provide you with a free annual credit report, once a year.

Credit problems? Fixing credit reporting issues , such as incorrect collections showing up, late payments showing up when paid on time, active accounts that are closed, can be fixed. The key is to identify any issues and work toward having them corrected. If you want to take action, the first step would be to call the bureaus at:

Equifax- 1-800-685-1111 or go to
Experian- 1-888-397-3742 or go to
TransUnion- 1-800-916-8800 or go to

We are always here to help! Reach out with any questions.