How important is your credit report when applying for mortgage, home equity,
line of credit, car loan or credit card ?
Very important! Besides your employment history, lenders use your credit history as the primary factor to determine if you are a good candidate for a loan.
Large loans require a comprehensive 3 Bureau Online Credit Report that shows what all three major credit bureaus are reporting about you.
Your credit report will be examined carefully for signs that you act responsibly
when it comes to paying your debts on time.
Your income and how it corresponds with your debts.
How much credit you currently have available to you.
Know what's on your credit report
Mistakes happen more often than you think and they are easy to dispute and correct. Inquiries - may have a negative impact on your credit worthiness.
Find out who has been looking at your credit report.