Category: Credit Reports

3 BUREAU CREDIT REPORTS

  Credit reports can affect many aspects of our lives. Whether you’re buying a home, seeking employment, or financing a vehicle.   Check out this article about credit reports and how information is collected for reporting. There are also helpful tips on how to maintain good credit or how to rebuild your credit.   https://www.forbes.com/advisor/credit-score/3-credit-bureaus/   We offer a variety product services, ask us how we can assist you today.   Counsel Mortgage Group®, LLC www.counselmortgage.com 480-502-1000 NMLS #178927 AZ MB #0909580 CA DBO #60dbo43873 HI-178927 Copyright © 2021 Counsel Mortgage Group®, LLC.

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FREE CREDIT REPORTS

Credit reports are currently free as long as you only make an inquiry weekly. Click the link to the article from the FTC regarding getting a free credit report and credit monitoring during the pandemic. You can get your report at www.annualcreditreport.com, which is authorized by all 3 credit bureaus, i.e. Experian, Transunion, and Equifax. During these uncertain times, it’s nice to know you can stay on top of your credit report for free. https://www.consumer.ftc.gov/…/credit-reports-are-now-free-… If you have any questions about your credit in connection with getting a mortgage loan, contact Counsel Mortgage Group! We offer a variety of products and...

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DETERMINING YOUR CREDIT SCORE

Credit cards are a significant factor in determining your credit score. Credit bureaus look at your credit card balances and history to determine how you manage your discretionary spending. The credit bureaus do not know your spending habits, but by reviewing credit card balances, they make conclusions regarding your ability to manage credit which will affect your credit score. If the cards are “maxed out”, or at their limit, they can negatively affect your credit score as the credit bureaus will conclude you have trouble managing credit. On the other hand, if you do not use credit cards, or have...

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CHECK YOUR CREDIT REPORT IN ADVANCE

Are you considering buying a home?  It may be worthwhile to review your credit report beforehand. To check your credit for free go to: www.annualcreditreport.com Many sites promise free credit reports, but this website is the only official site authorized by Federal law; It is sponsored by Experian, TransUnion, and Equifax. You are allowed to get a free copy of your credit report, without the score, every 12 months to ensure the information on your credit report is correct and up to date. You can also get your credit score on this site for a small fee.  Each credit reporting...

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HOW TO GET THE PERFECT CREDIT SCORE

Today’s post is a video from Bloomberg.com:   How to Get The Elusive Perfect Credit Score https://www.bloomberg.com/news/videos/2018-12-27/how-to-get-the-elusive-perfect-credit-score-video   Contact us and we can help you with your credit to qualify for the best mortgage for you.   We offer a variety of products and services, ask us how we can assist you today: Counsel Mortgage Group®, LLC www.counselmortgage.com 480-502-1000 NMLS #178927 AZ MB #0909580 CA DBO #60DBO43873   Michael Green is a Commercial Loan Originator for the Counsel Mortgage Group®, LLC.   Copyright © 2018 Counsel Mortgage Group®, LLC.  

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