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 possible 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.
What does your credit say about you?
What makes up your credit report?
Your credit score is a numerical representation of your trustworthiness in paying back debt. Each bureau will present you with a credit score based on the data they have.
What is reported?
A few of the items reported on your credit may include:
- Credit Cards
- Department store cards
- Gas cards
- Bank cards
- Airline cards
- Installment Loans
- Mortgage loans
- Auto loans
- Student loans
- Â Utilities
- Rent (sometimes)
- Collections or judgements
- Bankruptcies
What does your credit history look like?
Credit history is a record of the health of each reporting credit line. Your credit score is created from the list below.
Jill Underwood
Founder & Chief Loan Officer  //  NMLS #454676
As a Residential Mortgage Loan Officer with 35+ years of experience, I help:
â–º Individual clients who’re looking to purchase or refinance a home. I have a long list of satisfied clients. Regardless of where you are in life – if you are single, newly married, growing your family, downsizing, or facing retirement – I can help you make a great decision about your mortgage financing.
► Real estate agents who want their clients’ loans done right, in a timely manner, and with clear consistent communication throughout the process.
â–º CPAs, wealth advisors, and divorce attorneys who have clients in need of individualized care. Referral relationships are just as important as client relationships.
My top priority is helping you with the utmost of integrity. By working with clients who are looking for more than just a mortgage, I help them achieve their home financing goals by making educated decisions and finding the ideal solution for their needs.
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