Identity security Macon

This story illustrates why it's so important to check your credit reports before buying a home. My wife and I have been through the home-buying process several times in the past, so we are very familiar with it. We realize the importance of keeping a clean credit history. So we checked our credit reports and scores before getting pre-approved for a mortgage loan. Sometimes you can have negative items on your credit report that you never even knew existed. We checked all three of our reports through AnnualCreditReport.com, which is the website I recommend using. I recommend this website because it is the only one that is regulated by the federal government.

This is the identity security Macon official website for obtaining your free credit reports identity security Macon from all three reporting companies. free credit report and If you go anywhere else, they will probably try to sell you some kind of credit-monitoring or identity-theft protection service. If you only want to check your credit reports, you should do it through the website mentioned identity security Macon above. When I checked my reports, I was happy to find that there were no negative items on any of them. This means that no one has ever reported me for late payments, unpaid debt obligations, etc.

It shows mortgage lenders that I have a history of paying back my debt obligations. check my credit Obviously, this is something the lender wants to know. And even if they don't review the individual line items in my credit reports, this positive trend will show up in my credit score. In identity security Macon fact, your payment history affects your FICO credit identity security Macon score more than any other single factor. For example, my Equifax report said my payment history was very good. Some of my other categories were labeled as above average.

But when I checked my Equifax credit score, I found that it was identity security Macon in the excellent category. It was close to 800, which is an excellent credit score by any measurement.

I just want you to know how important your payment history is when it comes to your FICO score. three credit bureaus I was rated as above average in other categories, but my payment history got a higher rating of very good. This lifted me up to the excellent credit-score range.

This is a big deal when applying for a mortgage loan.