Credit Report Basics
Information you need to know.
The information in your credit report has a huge impact on whether or not you qualify for a mortgage loan and what interest rate a lender will offer you. Therefore, it’s important your credit report reflects a positive image of the way you manage your money. If you're getting ready to buy a home, checking your credit report is the best way to ensure you get the loan and interest rate you deserve. Fill out the form below and we will run your credit report for free and qualify you for a home loan.
3 Bureau Tri-Merge Credit Report
This is the type of credit report that a lender will require when applying for a home loan. Lenders want to see credit pulled from each of the three bureaus to verify accuracy.
Credit Scores on your Report are what a lender uses to "Grade" your credit. The higher the score the better the credit. Click here for a more details.
What else is is on your Report?
Your credit report has more information than you might initially think. Your report will have your address history, your employment history, and it will address any other names you might have had or abbreviations, or alias'.
Fixing your Credit Report
We can recommend Xperiacreditsoultions as a credit restoration company. This firm has no affiliation with MAE Capital Real Estate and Loan, but they do offer affordable help in raising credit scores.
Or you can opt to fix your credit by contacting the three national credit reporting agencies – Equifax www.equifax.com, Experian www.experian.com and TransUnion www.transunion.com - and request a copy of their report from each. That’s because the three agencies are independent of each other and the information may differ on all three reports. In addition, you may not know which agency has reported your information incorrectly or has outdated information about your credit history.
If you've been denied credit, insurance, or employment because of information in your credit report from any of the three agencies, you can obtain a free credit report by contacting the agency within 60 days of receiving a denial notice. In addition, you're entitled to a free copy of your report each year when you certify in writing that (1) you're unemployed and looking for a job within 60 days, (2) you're currently on welfare, or (3) your report contains errors due to fraud. Otherwise, the agencies charge a fee for a copy of your report.
For additional fees, each agency may offer you different report variations, such as:
- A credit report with or without your credit score.
- A three-in-one credit report that lets you see a side-by-side comparison of records, from all three agencies, with or without scores.
- Notification services when your credit history is requested.
- Routine notification changes to your file.
- Subscriptions that allow you to access your report on a regular basis.
New law promotes free access to credit reports
You can now get your credit report for free regardless of your employment or financial situation. A recent amendment to the federal Fair Credit Reporting Act (FCRA) mandates that each agency provides you with a free copy of your credit report, at your request, once every year, from www.annualcreditreport.com.
Click here to get your Free Annual Credit Report
Here at MAE Capital we can order a 3 bureau credit report for free and we have an in-house credit counselor to help you repair any misreported items. However, we will need you to authorize us to check your credit in writing.
Let get Started! Complete this forms and we will get the ball rolling for you-FREE! Note this free service is for California Homebuyers only.
keywords: credit report for home loan, free credit report, free credit report for home loans, home loan credit check free, credit report for home loans free, usable credit report for a home loan, mortgage credit report, usable mortgage credit report fro free, Roseville free credit check, credit check for free, credit check free, mortgage credit check free, free mortgage credit report, credit report for home loan-free, home loan credit report, Rocklin free credit check, home loan credit credit check free, free credit report for a home loan, real estate credit reports free, free real estate credit reports, can is get a free credit report to buy a home, how do i get a credit report, start here with a free credit check, credit report for home loan, credit report information, home loan credit reports, Sacramento credit reports, 3 bureau credit reports for home loans, 3 credit bureau report, free 3 bureau credit report, 3 bureau credit check, free 3 bureau credit check, credit report for prequalification, free credit reports for qualifying for a mortgage, mortgage credit report information, Roseville free credit report, from home loan credit report Sacramento, loans, credit reports for ehome loans, icredit, free credit check with counseling, credit report with home loan, home loan credit reports explained, what is a 3 bureau credit report, 3 bureau credit report information, information on credit reports, explaining a credit report for a home loan, credit explanations, credit reports defined, information on credit bureaus, how to fix your credit report free, free credit score for home loan, home loan credit scoring, credit check, checking credit, Sacramento real estate credit, home credit report, credit report for buying a home, my credit report, RMCR, credit report for home purchase, Roseville credit report, Rocklin credit report, tri-merge credit report, 3 bureau credit report, Rocklin credit, Roseville credit, credit report to buy property, credit report to use fo home loan, credit report for home loan, credit report for FHA loan Sacramento, credit report for home buyers, free credit check, home loan credit reports, Mortgage credit reports, RMCR, residential mortgage credit report, tri-merge credit report, tri-merge credit check, home loan credit report, what's on my credit report, how to read a credit report, REal estate credit reports, credit qualifications, home loan credit reports, Mortgage credit report, run a credit report, when to run credit, running a credit check, free credit check, local credit check, mortgage credit report, RMCR, how credit is viewed, credit restoration, apteria credit solution, affordable credit repair, cheap credit repair, raise your FICO score, raise your credit score, mortgage credit defined, what is the difference between a mortgage credit report from a regular report, where do i get a free credit report, what to look out for on your credit report, why does my credit move, info on my credit report, Credit report basics when buying a home, personal credit check, mortgage credit reports v personal credit reports, credit karma, free credit score, what is different in a mortgage credit report, how to get a mortgage credit report, Credit report for buying a home, mortgage credit repair, repair credit for home loan, Home loan credit repair, how to raise your credit score, where do I get my credit fixed, where do go to get my credit fixed, where do I go to get my credit repaired, Infomation on credit repair, tell me what the different credit reports are, equifax credit, Experian credit, Trans union Credit, where do I get a credit report to buy ahouse with, how do I find my credit score, who offers free credit reports, credit report for buying a house