To Your Credit
Be Thorough
Loan applications always ask for a summary of your debts. Be sure everything is in the summary. Your credit report should verify what you put on your application.
Although bankruptcies, judgments, and collections may jeopardize your chances for a loan, we have many programs to help you get into the home of your dreams. The number of times payments were late by 30, 60, 90 (or more) days - as well as a listing of creditors and high balances, will appear on your report. If you happen to be 30 days late one time, you may be okay. But if you've been 60 or 90 days late, your lender will want an explanation in writing.
When you apply for a mortgage loan, we will be more interested in your mortgage history than your department-store account history. The way you've handled similar obligations in the past will demonstrate to the lender that your mortgage payment will be a priority.
Contacting the Reporting Agencies
You may request a credit report, but it must be in writing. A small fee may be required.
Equifax
National: 800/685-1111
TRW Report Request
P.O Box 2350
Chatsworth, CA 91313-2350
800/683-7654
CSC Credit Services
Consumer Assistance Center
P.O Box 674402
Houston, TX 77267-4402
Trans Union Corp.
P.O. Box 7000
North Olmsted, Oh 44070
216/779-2378
